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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 | $117,930 | $134,817-12.5% | $123,973-4.9% | $155,188-24.0% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.7%+3.3pp | 80.8%-0.8pp |
| Annual return | 16.97% | 515.49%-498.5pp | 388.13%-371.2pp | 148.84%-131.9pp |
| Employer contribution / active EE | $1,909 | $4,425-56.9% | $4,126-53.7% | $4,248-55.1% |
| Participant deferral / active EE | $4,102 | $5,706-28.1% | $5,247-21.8% | $6,531-37.2% |
| Admin fee / account holder | $466 | $13,245-96.5% | $11,799-96.1% | $14,480-96.8% |