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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 | $128,636 | $183,539-29.9% | $155,556-17.3% | $145,897-11.8% |
| Participation rate | 95.0% | 82.7%+12.3pp | 78.2%+16.8pp | 80.3%+14.7pp |
| Annual return | 11.91% | 61.31%-49.4pp | 64.84%-52.9pp | 552.29%-540.4pp |
| Employer contribution / active EE | $1,799 | $5,315-66.1% | $4,675-61.5% | $4,663-61.4% |
| Participant deferral / active EE | $4,541 | $6,467-29.8% | $5,631-19.4% | $6,689-32.1% |
| Admin fee / account holder | $6,089 | $19,275-68.4% | $15,885-61.7% | $13,390-54.5% |