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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 | $138,952 | $100,139+38.8% | $85,187+63.1% | $145,884-4.8% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 20.07% | 84.15%-64.1pp | 66.67%-46.6pp | 551.85%-531.8pp |
| Employer contribution / active EE | $1,447 | $3,238-55.3% | $2,732-47.1% | $4,662-69.0% |
| Participant deferral / active EE | $7,182 | $5,296+35.6% | $4,525+58.7% | $6,690+7.4% |
| Admin fee / account holder | $1,981 | $7,262-72.7% | $6,162-67.8% | $13,392-85.2% |