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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 | $153,823 | $183,592-16.2% | $155,574-1.1% | $145,877+5.4% |
| Participation rate | 94.4% | 82.7%+11.7pp | 78.2%+16.2pp | 80.3%+14.1pp |
| Annual return | 13.68% | 61.37%-47.7pp | 64.87%-51.2pp | 551.28%-537.6pp |
| Employer contribution / active EE | $2,123 | $5,317-60.1% | $4,676-54.6% | $4,663-54.5% |
| Participant deferral / active EE | $5,330 | $6,466-17.6% | $5,629-5.3% | $6,691-20.3% |
| Admin fee / account holder | $3,953 | $19,316-79.5% | $15,914-75.2% | $13,402-70.5% |