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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 | $27,508 | $111,785-75.4% | $93,669-70.6% | $145,877-81.1% |
| Participation rate | 93.8% | 74.2%+19.5pp | 68.7%+25.0pp | 80.3%+13.4pp |
| Annual return | 17.79% | 203.79%-186.0pp | 133.59%-115.8pp | 551.28%-533.5pp |
| Employer contribution / active EE | $1,961 | $3,096-36.7% | $2,424-19.1% | $4,663-57.9% |
| Participant deferral / active EE | $5,283 | $4,919+7.4% | $4,416+19.6% | $6,691-21.0% |
| Admin fee / account holder | $919 | $10,256-91.0% | $8,291-88.9% | $13,402-93.1% |