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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 | $152,102 | $232,540-34.6% | $185,117-17.8% | $147,586+3.1% |
| Participation rate | 88.9% | 82.4%+6.5pp | 77.3%+11.6pp | 82.8%+6.1pp |
| Annual return | 14.72% | 43.03%-28.3pp | 40.50%-25.8pp | 578.59%-563.9pp |
| Employer contribution / active EE | $4,412 | $5,195-15.1% | $4,182+5.5% | $4,876-9.5% |
| Participant deferral / active EE | $9,681 | $5,834+66.0% | $5,045+91.9% | $5,439+78.0% |
| Admin fee / account holder | $3,547 | $10,275-65.5% | $8,159-56.5% | $10,886-67.4% |