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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 | $167,208 | $100,203+66.9% | $85,240+96.2% | $145,897+14.6% |
| Participation rate | 80.0% | 74.1%+5.9pp | 67.5%+12.5pp | 80.3%-0.3pp |
| Annual return | 16.59% | 84.28%-67.7pp | 66.75%-50.2pp | 552.29%-535.7pp |
| Employer contribution / active EE | $1,799 | $3,242-44.5% | $2,735-34.2% | $4,663-61.4% |
| Participant deferral / active EE | $5,515 | $5,299+4.1% | $4,527+21.8% | $6,689-17.5% |
| Admin fee / account holder | $1,363 | $7,265-81.2% | $6,165-77.9% | $13,390-89.8% |