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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 | $125,950 | $102,638+22.7% | $81,982+53.6% | $158,982-20.8% |
| Participation rate | 83.3% | 75.5%+7.8pp | 69.3%+14.1pp | 82.0%+1.4pp |
| Annual return | 13.22% | 61.05%-47.8pp | 41.31%-28.1pp | 302.99%-289.8pp |
| Employer contribution / active EE | $1,025 | $3,241-68.4% | $2,498-59.0% | $4,763-78.5% |
| Participant deferral / active EE | $1,427 | $4,649-69.3% | $3,722-61.7% | $5,983-76.2% |
| Admin fee / account holder | $8,787 | $8,237+6.7% | $5,665+55.1% | $11,252-21.9% |