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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 | $150,723 | $63,346+137.9% | $92,240+63.4% | $70,126+114.9% |
| Participation rate | 89.3% | 68.7%+20.6pp | 76.5%+12.8pp | 69.5%+19.7pp |
| Annual return | 23.89% | 530.19%-506.3pp | 176.29%-152.4pp | 73.15%-49.3pp |
| Employer contribution / active EE | $1,786 | $2,471-27.7% | $3,680-51.5% | $2,343-23.8% |
| Participant deferral / active EE | $4,083 | $2,854+43.1% | $3,897+4.8% | $3,332+22.5% |
| Admin fee / account holder | $1,251 | $3,841-67.4% | $5,194-75.9% | $4,645-73.1% |