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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 | $86,940 | $102,638-15.3% | $81,982+6.0% | $158,982-45.3% |
| Participation rate | 73.9% | 75.5%-1.6pp | 69.3%+4.7pp | 82.0%-8.1pp |
| Annual return | 13.99% | 61.05%-47.1pp | 41.31%-27.3pp | 302.99%-289.0pp |
| Employer contribution / active EE | $601 | $3,241-81.5% | $2,498-75.9% | $4,763-87.4% |
| Participant deferral / active EE | $3,769 | $4,649-18.9% | $3,722+1.3% | $5,983-37.0% |
| Admin fee / account holder | $4,493 | $8,237-45.5% | $5,665-20.7% | $11,252-60.1% |