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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 | $149,771 | $118,875+26.0% | $96,572+55.1% | $167,553-10.6% |
| Participation rate | 85.7% | 75.5%+10.2pp | 69.8%+15.9pp | 82.1%+3.6pp |
| Annual return | 18.83% | 50.50%-31.7pp | 37.79%-19.0pp | 478.89%-460.1pp |
| Employer contribution / active EE | $1,362 | $3,121-56.4% | $2,357-42.2% | $4,840-71.9% |
| Participant deferral / active EE | $7,640 | $4,617+65.5% | $3,850+98.5% | $6,343+20.5% |
| Admin fee / account holder | $2,116 | $8,070-73.8% | $6,183-65.8% | $12,316-82.8% |