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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 | $142,853 | $111,787+27.8% | $93,681+52.5% | $145,978-2.1% |
| Participation rate | 84.6% | 74.2%+10.4pp | 68.7%+15.9pp | 80.3%+4.3pp |
| Annual return | 14.98% | 203.52%-188.5pp | 133.47%-118.5pp | 550.52%-535.5pp |
| Employer contribution / active EE | $1,236 | $3,093-60.1% | $2,422-49.0% | $4,662-73.5% |
| Participant deferral / active EE | $3,284 | $4,918-33.2% | $4,415-25.6% | $6,690-50.9% |
| Admin fee / account holder | $1,478 | $10,256-85.6% | $8,290-82.2% | $13,400-89.0% |