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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 | $115,413 | $69,248+66.7% | $64,101+80.1% | $139,466-17.2% |
| Participation rate | 84.2% | 75.6%+8.6pp | 72.3%+11.9pp | 80.3%+3.9pp |
| Annual return | 19.71% | 45.95%-26.2pp | 33.72%-14.0pp | 373.66%-354.0pp |
| Employer contribution / active EE | $991 | $3,185-68.9% | $2,749-63.9% | $4,754-79.2% |
| Participant deferral / active EE | $4,151 | $4,682-11.4% | $3,881+7.0% | $6,712-38.2% |
| Admin fee / account holder | $2,284 | $4,247-46.2% | $3,070-25.6% | $11,409-80.0% |