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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 | $205,661 | $99,995+105.7% | $85,063+141.8% | $145,978+40.9% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 11.96% | 83.99%-72.0pp | 66.54%-54.6pp | 550.52%-538.6pp |
| Employer contribution / active EE | $2,046 | $3,231-36.7% | $2,727-25.0% | $4,662-56.1% |
| Participant deferral / active EE | $5,644 | $5,295+6.6% | $4,523+24.8% | $6,690-15.6% |
| Admin fee / account holder | $903 | $7,255-87.5% | $6,155-85.3% | $13,400-93.3% |