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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 | $91,836 | $99,652-7.8% | $78,778+16.6% | $147,586-37.8% |
| Participation rate | 87.0% | 76.2%+10.7pp | 69.2%+17.8pp | 82.8%+4.1pp |
| Annual return | 11.42% | 47.28%-35.9pp | 35.62%-24.2pp | 578.59%-567.2pp |
| Employer contribution / active EE | $519 | $2,796-81.5% | $1,986-73.9% | $4,876-89.4% |
| Participant deferral / active EE | $3,455 | $3,664-5.7% | $2,958+16.8% | $5,439-36.5% |
| Admin fee / account holder | $4,591 | $7,155-35.8% | $5,134-10.6% | $10,886-57.8% |