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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 | $140,444 | $91,198+54.0% | $178,503-21.3% | $79,856+75.9% |
| Participation rate | 88.5% | 69.2%+19.2pp | 81.9%+6.5pp | 69.6%+18.8pp |
| Annual return | 59.75% | 24.20%+35.6pp | 151.12%-91.4pp | 31.71%+28.0pp |
| Employer contribution / active EE | $1,972 | $3,257-39.4% | $5,011-60.6% | $2,471-20.2% |
| Participant deferral / active EE | $2,712 | $3,237-16.2% | $5,202-47.9% | $3,741-27.5% |
| Admin fee / account holder | $504 | $6,748-92.5% | $13,987-96.4% | $5,306-90.5% |