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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 | $176,748 | $104,924+68.5% | $84,623+108.9% | $152,885+15.6% |
| Participation rate | 93.3% | 74.8%+18.5pp | 68.2%+25.1pp | 82.5%+10.9pp |
| Annual return | 21.79% | 373.82%-352.0pp | 258.77%-237.0pp | 345.39%-323.6pp |
| Employer contribution / active EE | $1,758 | $3,302-46.8% | $2,652-33.7% | $4,763-63.1% |
| Participant deferral / active EE | $4,358 | $4,689-7.1% | $3,899+11.8% | $5,851-25.5% |
| Admin fee / account holder | $1,502 | $6,242-75.9% | $4,913-69.4% | $11,598-87.0% |