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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 | $137,054 | $107,363+27.7% | $92,909+47.5% | $152,897-10.4% |
| Participation rate | 89.5% | 79.8%+9.7pp | 76.0%+13.5pp | 82.5%+7.0pp |
| Annual return | 18.97% | 145.63%-126.7pp | 109.44%-90.5pp | 345.43%-326.5pp |
| Employer contribution / active EE | $1,787 | $4,222-57.7% | $3,653-51.1% | $4,764-62.5% |
| Participant deferral / active EE | $4,584 | $4,848-5.5% | $4,238+8.2% | $5,851-21.7% |
| Admin fee / account holder | $3,993 | $7,082-43.6% | $5,795-31.1% | $11,599-65.6% |