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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 | $154,807 | $112,131+38.1% | $95,964+61.3% | $158,982-2.6% |
| Participation rate | 78.3% | 79.0%-0.7pp | 77.1%+1.2pp | 82.0%-3.7pp |
| Annual return | 18.31% | 171.19%-152.9pp | 91.64%-73.3pp | 302.99%-284.7pp |
| Employer contribution / active EE | $1,603 | $3,199-49.9% | $2,541-36.9% | $4,763-66.4% |
| Participant deferral / active EE | $2,965 | $4,784-38.0% | $4,167-28.8% | $5,983-50.4% |
| Admin fee / account holder | $7,082 | $10,136-30.1% | $6,797+4.2% | $11,252-37.1% |