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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 | $152,777 | $100,139+52.6% | $85,187+79.3% | $145,884+4.7% |
| Participation rate | 88.9% | 74.1%+14.8pp | 67.5%+21.4pp | 80.3%+8.6pp |
| Annual return | 13.30% | 84.15%-70.8pp | 66.67%-53.4pp | 551.85%-538.5pp |
| Employer contribution / active EE | $2,437 | $3,238-24.7% | $2,732-10.8% | $4,662-47.7% |
| Participant deferral / active EE | $5,755 | $5,296+8.7% | $4,525+27.2% | $6,690-14.0% |
| Admin fee / account holder | $975 | $7,262-86.6% | $6,162-84.2% | $13,392-92.7% |