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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 | $102,226 | $118,877-14.0% | $96,570+5.9% | $167,536-39.0% |
| Participation rate | 87.0% | 75.5%+11.5pp | 69.8%+17.1pp | 82.1%+4.8pp |
| Annual return | 14.33% | 50.50%-36.2pp | 37.79%-23.5pp | 478.82%-464.5pp |
| Employer contribution / active EE | $1,858 | $3,121-40.5% | $2,357-21.2% | $4,839-61.6% |
| Participant deferral / active EE | $4,044 | $4,617-12.4% | $3,849+5.0% | $6,342-36.2% |
| Admin fee / account holder | $501 | $8,069-93.8% | $6,182-91.9% | $12,315-95.9% |