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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 | $136,487 | $144,130-5.3% | $117,860+15.8% | $147,585-7.5% |
| Participation rate | 85.7% | 83.4%+2.3pp | 79.7%+6.0pp | 82.8%+2.9pp |
| Annual return | 14.46% | 531.20%-516.7pp | 335.10%-320.6pp | 578.58%-564.1pp |
| Employer contribution / active EE | $1,174 | $4,897-76.0% | $3,786-69.0% | $4,876-75.9% |
| Participant deferral / active EE | $3,272 | $5,316-38.5% | $4,482-27.0% | $5,439-39.8% |
| Admin fee / account holder | $985 | $10,887-91.0% | $8,021-87.7% | $10,886-90.9% |