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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 | $130,834 | $111,785+17.0% | $93,669+39.7% | $145,877-10.3% |
| Participation rate | 87.5% | 74.2%+13.3pp | 68.7%+18.8pp | 80.3%+7.2pp |
| Annual return | 10.82% | 203.79%-193.0pp | 133.59%-122.8pp | 551.28%-540.5pp |
| Employer contribution / active EE | $861 | $3,096-72.2% | $2,424-64.5% | $4,663-81.5% |
| Participant deferral / active EE | $3,694 | $4,919-24.9% | $4,416-16.3% | $6,691-44.8% |
| Admin fee / account holder | $403 | $10,256-96.1% | $8,291-95.1% | $13,402-97.0% |