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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 | $31,786 | $124,330-74.4% | $109,173-70.9% | $167,536-81.0% |
| Participation rate | 85.0% | 79.5%+5.5pp | 75.9%+9.1pp | 82.1%+2.9pp |
| Annual return | 12.83% | 26.04%-13.2pp | 25.75%-12.9pp | 478.82%-466.0pp |
| Employer contribution / active EE | $8,725 | $4,209+107.3% | $3,723+134.4% | $4,839+80.3% |
| Participant deferral / active EE | $3,088 | $5,256-41.2% | $4,654-33.6% | $6,342-51.3% |
| Admin fee / account holder | $4,718 | $7,974-40.8% | $6,755-30.2% | $12,315-61.7% |