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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 | $174,682 | $111,878+56.1% | $93,727+86.4% | $145,897+19.7% |
| Participation rate | 76.5% | 74.2%+2.3pp | 68.7%+7.8pp | 80.3%-3.8pp |
| Annual return | 19.79% | 204.28%-184.5pp | 133.83%-114.0pp | 552.29%-532.5pp |
| Employer contribution / active EE | $1,543 | $3,092-50.1% | $2,421-36.3% | $4,663-66.9% |
| Participant deferral / active EE | $3,519 | $4,920-28.5% | $4,417-20.3% | $6,689-47.4% |
| Admin fee / account holder | $8,904 | $10,256-13.2% | $8,292+7.4% | $13,390-33.5% |