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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 | $158,737 | $112,131+41.6% | $95,964+65.4% | $158,982-0.2% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 17.03% | 171.19%-154.2pp | 91.64%-74.6pp | 302.99%-286.0pp |
| Employer contribution / active EE | $1,139 | $3,199-64.4% | $2,541-55.2% | $4,763-76.1% |
| Participant deferral / active EE | $4,476 | $4,784-6.4% | $4,167+7.4% | $5,983-25.2% |
| Admin fee / account holder | $3,459 | $10,136-65.9% | $6,797-49.1% | $11,252-69.3% |