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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 | $147,781 | $115,810+27.6% | $101,271+45.9% | $158,966-7.0% |
| Participation rate | 72.7% | 79.4%-6.6pp | 75.8%-3.1pp | 82.0%-9.2pp |
| Annual return | 15.60% | 56.15%-40.6pp | 46.48%-30.9pp | 302.95%-287.4pp |
| Employer contribution / active EE | $2,050 | $4,175-50.9% | $3,660-44.0% | $4,762-57.0% |
| Participant deferral / active EE | $4,919 | $4,958-0.8% | $4,371+12.5% | $5,983-17.8% |
| Admin fee / account holder | $2,279 | $7,248-68.6% | $5,948-61.7% | $11,250-79.7% |