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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 | $80,928 | $107,363-24.6% | $92,909-12.9% | $152,897-47.1% |
| Participation rate | 90.5% | 79.8%+10.7pp | 76.0%+14.5pp | 82.5%+8.0pp |
| Annual return | 15.98% | 145.63%-129.7pp | 109.44%-93.5pp | 345.43%-329.5pp |
| Employer contribution / active EE | $1,851 | $4,222-56.2% | $3,653-49.3% | $4,764-61.2% |
| Participant deferral / active EE | $3,651 | $4,848-24.7% | $4,238-13.8% | $5,851-37.6% |
| Admin fee / account holder | $490 | $7,082-93.1% | $5,795-91.5% | $11,599-95.8% |