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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 | $19,548 | $107,363-81.8% | $92,909-79.0% | $152,897-87.2% |
| Participation rate | 90.0% | 79.8%+10.2pp | 76.0%+14.0pp | 82.5%+7.5pp |
| Annual return | 25.37% | 145.63%-120.3pp | 109.44%-84.1pp | 345.43%-320.1pp |
| Employer contribution / active EE | $3,454 | $4,222-18.2% | $3,653-5.5% | $4,764-27.5% |
| Participant deferral / active EE | $3,260 | $4,848-32.8% | $4,238-23.1% | $5,851-44.3% |
| Admin fee / account holder | $3,624 | $7,082-48.8% | $5,795-37.5% | $11,599-68.8% |