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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 | $95,316 | $125,778-24.2% | $114,563-16.8% | $154,746-38.4% |
| Participation rate | 85.7% | 75.2%+10.5pp | 72.9%+12.8pp | 80.7%+5.0pp |
| Annual return | 18.25% | 295.14%-276.9pp | 241.09%-222.8pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,771 | $2,806-36.9% | $2,592-31.7% | $4,379-59.6% |
| Participant deferral / active EE | $7,129 | $4,445+60.4% | $4,142+72.1% | $6,730+5.9% |
| Admin fee / account holder | $705 | $8,190-91.4% | $7,623-90.8% | $14,365-95.1% |