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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 | $118,822 | $166,242-28.5% | $165,071-28.0% | $145,884-18.6% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 16.05% | 100.44%-84.4pp | 70.17%-54.1pp | 551.85%-535.8pp |
| Employer contribution / active EE | $2,154 | $5,283-59.2% | $4,347-50.5% | $4,662-53.8% |
| Participant deferral / active EE | $2,884 | $6,964-58.6% | $6,035-52.2% | $6,690-56.9% |
| Admin fee / account holder | $790 | $16,658-95.3% | $12,695-93.8% | $13,392-94.1% |