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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 | $161,322 | $99,652+61.9% | $78,778+104.8% | $147,586+9.3% |
| Participation rate | 80.0% | 76.2%+3.8pp | 69.2%+10.8pp | 82.8%-2.8pp |
| Annual return | 15.97% | 47.28%-31.3pp | 35.62%-19.7pp | 578.59%-562.6pp |
| Employer contribution / active EE | $4,624 | $2,796+65.4% | $1,986+132.9% | $4,876-5.2% |
| Participant deferral / active EE | $3,380 | $3,664-7.7% | $2,958+14.3% | $5,439-37.9% |
| Admin fee / account holder | $334 | $7,155-95.3% | $5,134-93.5% | $10,886-96.9% |