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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 | $120,091 | $99,079+21.2% | $78,002+54.0% | $273,972-56.2% |
| Participation rate | 81.8% | 78.6%+3.3pp | 75.5%+6.3pp | 83.0%-1.2pp |
| Annual return | 5.77% | 217.93%-212.2pp | 425.99%-420.2pp | 41.46%-35.7pp |
| Employer contribution / active EE | $1,601 | $3,308-51.6% | $2,470-35.2% | $4,869-67.1% |
| Participant deferral / active EE | $6,419 | $4,306+49.1% | $3,497+83.6% | $5,287+21.4% |
| Admin fee / account holder | $911 | $8,954-89.8% | $5,481-83.4% | $10,133-91.0% |