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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 | $175,045 | $111,878+56.5% | $93,727+86.8% | $145,897+20.0% |
| Participation rate | 70.0% | 74.2%-4.2pp | 68.7%+1.3pp | 80.3%-10.3pp |
| Annual return | 10.28% | 204.28%-194.0pp | 133.83%-123.5pp | 552.29%-542.0pp |
| Employer contribution / active EE | $1,229 | $3,092-60.3% | $2,421-49.2% | $4,663-73.6% |
| Participant deferral / active EE | $3,602 | $4,920-26.8% | $4,417-18.4% | $6,689-46.1% |
| Admin fee / account holder | $3,235 | $10,256-68.5% | $8,292-61.0% | $13,390-75.8% |