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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 | $19,710 | $110,093-82.1% | $97,295-79.7% | $145,897-86.5% |
| Participation rate | 95.8% | 75.9%+19.9pp | 72.7%+23.2pp | 80.3%+15.5pp |
| Annual return | 14.09% | 244.76%-230.7pp | 75.62%-61.5pp | 552.29%-538.2pp |
| Employer contribution / active EE | $1,226 | $3,077-60.2% | $2,723-55.0% | $4,663-73.7% |
| Participant deferral / active EE | $4,336 | $4,678-7.3% | $4,264+1.7% | $6,689-35.2% |
| Admin fee / account holder | $628 | $6,212-89.9% | $5,646-88.9% | $13,390-95.3% |