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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 | $121,103 | $115,814+4.6% | $101,275+19.6% | $158,982-23.8% |
| Participation rate | 77.8% | 79.4%-1.6pp | 75.8%+2.0pp | 82.0%-4.2pp |
| Annual return | 14.98% | 56.16%-41.2pp | 46.48%-31.5pp | 302.99%-288.0pp |
| Employer contribution / active EE | $1,232 | $4,176-70.5% | $3,660-66.3% | $4,763-74.1% |
| Participant deferral / active EE | $1,855 | $4,958-62.6% | $4,371-57.6% | $5,983-69.0% |
| Admin fee / account holder | $903 | $7,249-87.5% | $5,948-84.8% | $11,252-92.0% |