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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 | $12,761 | $100,139-87.3% | $85,187-85.0% | $145,884-91.3% |
| Participation rate | 92.3% | 74.1%+18.2pp | 67.5%+24.8pp | 80.3%+12.0pp |
| Annual return | 13.98% | 84.15%-70.2pp | 66.67%-52.7pp | 551.85%-537.9pp |
| Employer contribution / active EE | $1,831 | $3,238-43.4% | $2,732-33.0% | $4,662-60.7% |
| Participant deferral / active EE | $3,146 | $5,296-40.6% | $4,525-30.5% | $6,690-53.0% |
| Admin fee / account holder | $547 | $7,262-92.5% | $6,162-91.1% | $13,392-95.9% |