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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 | $94,157 | $152,619-38.3% | $125,195-24.8% | $152,909-38.4% |
| Participation rate | 88.2% | 83.3%+4.9pp | 79.8%+8.5pp | 82.5%+5.8pp |
| Annual return | 15.02% | 54.85%-39.8pp | 43.79%-28.8pp | 345.46%-330.4pp |
| Employer contribution / active EE | $1,212 | $4,947-75.5% | $3,866-68.7% | $4,764-74.6% |
| Participant deferral / active EE | $5,108 | $5,869-13.0% | $4,937+3.5% | $5,851-12.7% |
| Admin fee / account holder | $15,467 | $13,437+15.1% | $9,704+59.4% | $11,601+33.3% |