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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 | $141,794 | $185,312-23.5% | $161,489-12.2% | $154,746-8.4% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 16.59% | 103.84%-87.3pp | 89.72%-73.1pp | 172.34%-155.7pp |
| Employer contribution / active EE | $1,618 | $4,769-66.1% | $4,268-62.1% | $4,379-63.1% |
| Participant deferral / active EE | $4,365 | $6,350-31.3% | $5,630-22.5% | $6,730-35.1% |
| Admin fee / account holder | $1,422 | $18,654-92.4% | $16,006-91.1% | $14,365-90.1% |