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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 | $99,483 | $232,540-57.2% | $185,117-46.3% | $147,586-32.6% |
| Participation rate | 93.8% | 82.4%+11.4pp | 77.3%+16.5pp | 82.8%+10.9pp |
| Annual return | 15.46% | 43.03%-27.6pp | 40.50%-25.0pp | 578.59%-563.1pp |
| Employer contribution / active EE | $1,213 | $5,195-76.7% | $4,182-71.0% | $4,876-75.1% |
| Participant deferral / active EE | $5,145 | $5,834-11.8% | $5,045+2.0% | $5,439-5.4% |
| Admin fee / account holder | $306 | $10,275-97.0% | $8,159-96.3% | $10,886-97.2% |