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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 | $113,104 | $95,406+18.5% | $185,849-39.1% | $85,847+31.8% |
| Participation rate | 86.7% | 68.8%+17.9pp | 81.7%+5.0pp | 69.3%+17.3pp |
| Annual return | 12.52% | 23.59%-11.1pp | 122.10%-109.6pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,676 | $3,314-49.4% | $5,169-67.6% | $2,565-34.7% |
| Participant deferral / active EE | $6,142 | $3,424+79.4% | $5,569+10.3% | $3,952+55.4% |
| Admin fee / account holder | $538 | $7,214-92.5% | $16,244-96.7% | $6,261-91.4% |