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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 | $154,979 | $232,540-33.4% | $185,117-16.3% | $147,586+5.0% |
| Participation rate | 90.0% | 82.4%+7.6pp | 77.3%+12.7pp | 82.8%+7.2pp |
| Annual return | 11.95% | 43.03%-31.1pp | 40.50%-28.5pp | 578.59%-566.6pp |
| Employer contribution / active EE | $3,050 | $5,195-41.3% | $4,182-27.1% | $4,876-37.5% |
| Participant deferral / active EE | $0 | $5,834-100.0% | $5,045-100.0% | $5,439-100.0% |
| Admin fee / account holder | $679 | $10,275-93.4% | $8,159-91.7% | $10,886-93.8% |