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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 | $109,177 | $102,638+6.4% | $81,982+33.2% | $158,982-31.3% |
| Participation rate | 88.9% | 75.5%+13.4pp | 69.3%+19.6pp | 82.0%+6.9pp |
| Annual return | 19.97% | 61.05%-41.1pp | 41.31%-21.3pp | 302.99%-283.0pp |
| Employer contribution / active EE | $0 | $3,241-100.0% | $2,498-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $5,276 | $4,649+13.5% | $3,722+41.7% | $5,983-11.8% |
| Admin fee / account holder | $344 | $8,237-95.8% | $5,665-93.9% | $11,252-96.9% |