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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 | $76,153 | $108,212-29.6% | $77,513-1.8% | $158,966-52.1% |
| Participation rate | 77.8% | 64.4%+13.4pp | 54.2%+23.6pp | 82.0%-4.2pp |
| Annual return | 84.97% | 31.67%+53.3pp | 54.81%+30.2pp | 302.95%-218.0pp |
| Employer contribution / active EE | $1,095 | $1,325-17.3% | $987+11.0% | $4,762-77.0% |
| Participant deferral / active EE | $3,990 | $2,455+62.5% | $1,861+114.4% | $5,983-33.3% |
| Admin fee / account holder | $781 | $3,709-78.9% | $2,859-72.7% | $11,250-93.1% |