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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 | $119,927 | $102,382+17.1% | $147,005-18.4% | $80,874+48.3% |
| Participation rate | 81.5% | 75.8%+5.6pp | 82.2%-0.7pp | 67.6%+13.8pp |
| Annual return | 15.31% | 134.89%-119.6pp | 418.76%-403.5pp | 35.62%-20.3pp |
| Employer contribution / active EE | $2,626 | $3,715-29.3% | $4,934-46.8% | $2,756-4.7% |
| Participant deferral / active EE | $4,441 | $6,646-33.2% | $8,070-45.0% | $4,297+3.4% |
| Admin fee / account holder | $868 | $7,942-89.1% | $13,006-93.3% | $6,935-87.5% |