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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 | $81,220 | $209,422-61.2% | $178,503-54.5% | $158,982-48.9% |
| Participation rate | 94.1% | 86.4%+7.8pp | 81.9%+12.2pp | 82.0%+12.2pp |
| Annual return | 12.45% | 188.81%-176.4pp | 151.12%-138.7pp | 302.99%-290.5pp |
| Employer contribution / active EE | $1,288 | $5,707-77.4% | $5,011-74.3% | $4,763-73.0% |
| Participant deferral / active EE | $2,724 | $5,955-54.3% | $5,202-47.6% | $5,983-54.5% |
| Admin fee / account holder | $918 | $17,079-94.6% | $13,987-93.4% | $11,252-91.8% |