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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 | $31,246 | $111,878-72.1% | $93,727-66.7% | $145,897-78.6% |
| Participation rate | 81.8% | 74.2%+7.6pp | 68.7%+13.1pp | 80.3%+1.5pp |
| Annual return | 15.93% | 204.28%-188.3pp | 133.83%-117.9pp | 552.29%-536.4pp |
| Employer contribution / active EE | $1,768 | $3,092-42.8% | $2,421-27.0% | $4,663-62.1% |
| Participant deferral / active EE | $3,282 | $4,920-33.3% | $4,417-25.7% | $6,689-50.9% |
| Admin fee / account holder | $343 | $10,256-96.7% | $8,292-95.9% | $13,390-97.4% |