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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 | $13,473 | $111,830-88.0% | $93,696-85.6% | $145,884-90.8% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 15.32% | 204.08%-188.8pp | 133.74%-118.4pp | 551.85%-536.5pp |
| Employer contribution / active EE | $1,176 | $3,093-62.0% | $2,422-51.4% | $4,662-74.8% |
| Participant deferral / active EE | $4,586 | $4,920-6.8% | $4,417+3.8% | $6,690-31.5% |
| Admin fee / account holder | $9,013 | $10,249-12.1% | $8,287+8.8% | $13,392-32.7% |