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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 | $87,766 | $111,785-21.5% | $93,669-6.3% | $145,877-39.8% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 16.57% | 203.79%-187.2pp | 133.59%-117.0pp | 551.28%-534.7pp |
| Employer contribution / active EE | $669 | $3,096-78.4% | $2,424-72.4% | $4,663-85.6% |
| Participant deferral / active EE | $2,978 | $4,919-39.5% | $4,416-32.6% | $6,691-55.5% |
| Admin fee / account holder | $425 | $10,256-95.9% | $8,291-94.9% | $13,402-96.8% |