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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 | $80,768 | $176,402-54.2% | $134,162-39.8% | $158,966-49.2% |
| Participation rate | 87.5% | 78.7%+8.8pp | 72.2%+15.3pp | 82.0%+5.5pp |
| Annual return | 10.22% | 63.66%-53.4pp | 36.35%-26.1pp | 302.95%-292.7pp |
| Employer contribution / active EE | $485 | $5,042-90.4% | $3,705-86.9% | $4,762-89.8% |
| Participant deferral / active EE | $485 | $4,093-88.1% | $3,500-86.1% | $5,983-91.9% |
| Admin fee / account holder | $507 | $8,719-94.2% | $6,685-92.4% | $11,250-95.5% |