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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 | $111,830+27.6% | $93,696+52.3% | $145,884-2.2% |
| Participation rate | 71.4% | 74.2%-2.8pp | 68.7%+2.7pp | 80.3%-8.9pp |
| Annual return | 17.57% | 204.08%-186.5pp | 133.74%-116.2pp | 551.85%-534.3pp |
| Employer contribution / active EE | $1,125 | $3,093-63.6% | $2,422-53.6% | $4,662-75.9% |
| Participant deferral / active EE | $3,774 | $4,920-23.3% | $4,417-14.6% | $6,690-43.6% |
| Admin fee / account holder | $3,311 | $10,249-67.7% | $8,287-60.0% | $13,392-75.3% |