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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 | $80,348 | $115,810-30.6% | $101,271-20.7% | $158,966-49.5% |
| Participation rate | 83.3% | 79.4%+4.0pp | 75.8%+7.5pp | 82.0%+1.4pp |
| Annual return | 11.76% | 56.15%-44.4pp | 46.48%-34.7pp | 302.95%-291.2pp |
| Employer contribution / active EE | $869 | $4,175-79.2% | $3,660-76.3% | $4,762-81.8% |
| Participant deferral / active EE | $4,870 | $4,958-1.8% | $4,371+11.4% | $5,983-18.6% |
| Admin fee / account holder | $3,637 | $7,248-49.8% | $5,948-38.8% | $11,250-67.7% |