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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 | $142,724 | $111,878+27.6% | $93,727+52.3% | $145,897-2.2% |
| Participation rate | 71.4% | 74.2%-2.8pp | 68.7%+2.7pp | 80.3%-8.9pp |
| Annual return | 17.57% | 204.28%-186.7pp | 133.83%-116.3pp | 552.29%-534.7pp |
| Employer contribution / active EE | $1,125 | $3,092-63.6% | $2,421-53.5% | $4,663-75.9% |
| Participant deferral / active EE | $3,774 | $4,920-23.3% | $4,417-14.6% | $6,689-43.6% |
| Admin fee / account holder | $3,311 | $10,256-67.7% | $8,292-60.1% | $13,390-75.3% |