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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 | $39,258 | $99,995-60.7% | $85,063-53.8% | $145,978-73.1% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 13.19% | 83.99%-70.8pp | 66.54%-53.3pp | 550.52%-537.3pp |
| Employer contribution / active EE | $1,604 | $3,231-50.4% | $2,727-41.2% | $4,662-65.6% |
| Participant deferral / active EE | $5,437 | $5,295+2.7% | $4,523+20.2% | $6,690-18.7% |
| Admin fee / account holder | $2,260 | $7,255-68.8% | $6,155-63.3% | $13,400-83.1% |