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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 | $178,132 | $157,304+13.2% | $141,197+26.2% | $152,909+16.5% |
| Participation rate | 76.9% | 84.8%-7.9pp | 82.5%-5.6pp | 82.5%-5.5pp |
| Annual return | 41.52% | 64.34%-22.8pp | 71.41%-29.9pp | 345.46%-303.9pp |
| Employer contribution / active EE | $1,025 | $5,263-80.5% | $4,736-78.4% | $4,764-78.5% |
| Participant deferral / active EE | $10,252 | $7,111+44.2% | $6,710+52.8% | $5,851+75.2% |
| Admin fee / account holder | $2,122 | $12,126-82.5% | $10,265-79.3% | $11,601-81.7% |