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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,769 | $115,810-63.1% | $101,271-57.8% | $158,966-73.1% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 19.59% | 56.15%-36.6pp | 46.48%-26.9pp | 302.95%-283.4pp |
| Employer contribution / active EE | $3,370 | $4,175-19.3% | $3,660-7.9% | $4,762-29.2% |
| Participant deferral / active EE | $6,051 | $4,958+22.0% | $4,371+38.4% | $5,983+1.1% |
| Admin fee / account holder | $493 | $7,248-93.2% | $5,948-91.7% | $11,250-95.6% |