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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 | $236,187 | $124,346+89.9% | $111,306+112.2% | $167,553+41.0% |
| Participation rate | 94.4% | 79.6%+14.8pp | 77.3%+17.1pp | 82.1%+12.3pp |
| Annual return | 12.27% | 37.46%-25.2pp | 54.67%-42.4pp | 478.89%-466.6pp |
| Employer contribution / active EE | $1,685 | $3,438-51.0% | $2,732-38.3% | $4,840-65.2% |
| Participant deferral / active EE | $4,346 | $5,182-16.1% | $4,488-3.2% | $6,343-31.5% |
| Admin fee / account holder | $719 | $10,623-93.2% | $7,966-91.0% | $12,316-94.2% |