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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 | $114,848 | $115,814-0.8% | $101,275+13.4% | $158,982-27.8% |
| Participation rate | 91.3% | 79.4%+11.9pp | 75.8%+15.5pp | 82.0%+9.3pp |
| Annual return | 15.81% | 56.16%-40.3pp | 46.48%-30.7pp | 302.99%-287.2pp |
| Employer contribution / active EE | $1,304 | $4,176-68.8% | $3,660-64.4% | $4,763-72.6% |
| Participant deferral / active EE | $3,163 | $4,958-36.2% | $4,371-27.6% | $5,983-47.1% |
| Admin fee / account holder | $1,851 | $7,249-74.5% | $5,948-68.9% | $11,252-83.5% |