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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 | $56,527 | $125,190-54.8% | $105,624-46.5% | $145,897-61.3% |
| Participation rate | 80.0% | 77.6%+2.4pp | 75.3%+4.7pp | 80.3%-0.3pp |
| Annual return | 22.16% | 225.22%-203.1pp | 116.20%-94.0pp | 552.29%-530.1pp |
| Employer contribution / active EE | $1,348 | $3,720-63.8% | $3,168-57.5% | $4,663-71.1% |
| Participant deferral / active EE | $6,224 | $5,716+8.9% | $5,013+24.2% | $6,689-7.0% |
| Admin fee / account holder | $942 | $17,138-94.5% | $10,961-91.4% | $13,390-93.0% |