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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 | $183,351 | $106,923+71.5% | $84,023+118.2% | $152,909+19.9% |
| Participation rate | 81.8% | 75.3%+6.6pp | 69.0%+12.8pp | 82.5%-0.6pp |
| Annual return | 22.02% | 105.02%-83.0pp | 71.32%-49.3pp | 345.46%-323.4pp |
| Employer contribution / active EE | $3,818 | $2,735+39.6% | $1,984+92.4% | $4,764-19.9% |
| Participant deferral / active EE | $11,346 | $4,013+182.8% | $3,239+250.3% | $5,851+93.9% |
| Admin fee / account holder | $1,004 | $8,289-87.9% | $6,102-83.6% | $11,601-91.3% |