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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 | $104,688 | $112,935-7.3% | $90,970+15.1% | $158,966-34.1% |
| Participation rate | 87.5% | 74.7%+12.8pp | 69.0%+18.5pp | 82.0%+5.5pp |
| Annual return | 7.61% | 215.79%-208.2pp | 134.58%-127.0pp | 302.95%-295.3pp |
| Employer contribution / active EE | $1,507 | $2,895-47.9% | $2,122-29.0% | $4,762-68.4% |
| Participant deferral / active EE | $3,230 | $4,129-21.8% | $3,373-4.2% | $5,983-46.0% |
| Admin fee / account holder | $387 | $8,045-95.2% | $5,960-93.5% | $11,250-96.6% |