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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 | $154,890 | $124,346+24.6% | $111,308+39.2% | $167,536-7.5% |
| Participation rate | 85.7% | 79.6%+6.1pp | 77.3%+8.4pp | 82.1%+3.6pp |
| Annual return | 11.76% | 37.45%-25.7pp | 54.67%-42.9pp | 478.82%-467.1pp |
| Employer contribution / active EE | $4,996 | $3,437+45.3% | $2,732+82.9% | $4,839+3.2% |
| Participant deferral / active EE | $4,872 | $5,182-6.0% | $4,487+8.6% | $6,342-23.2% |
| Admin fee / account holder | $3,657 | $10,621-65.6% | $7,965-54.1% | $12,315-70.3% |