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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 | $134,099 | $69,274+93.6% | $64,097+109.2% | $139,487-3.9% |
| Participation rate | 91.7% | 75.6%+16.0pp | 72.3%+19.3pp | 80.3%+11.3pp |
| Annual return | 18.34% | 46.00%-27.7pp | 33.75%-15.4pp | 373.84%-355.5pp |
| Employer contribution / active EE | $1,278 | $3,187-59.9% | $2,750-53.5% | $4,755-73.1% |
| Participant deferral / active EE | $3,681 | $4,685-21.4% | $3,881-5.2% | $6,713-45.2% |
| Admin fee / account holder | $3,178 | $4,247-25.2% | $3,070+3.5% | $11,407-72.1% |