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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 | $89,596 | $217,432-58.8% | $185,851-51.8% | $167,553-46.5% |
| Participation rate | 94.4% | 86.1%+8.4pp | 81.7%+12.7pp | 82.1%+12.3pp |
| Annual return | 15.86% | 148.43%-132.6pp | 122.11%-106.2pp | 478.89%-463.0pp |
| Employer contribution / active EE | $1,382 | $5,874-76.5% | $5,168-73.3% | $4,840-71.4% |
| Participant deferral / active EE | $6,592 | $6,357+3.7% | $5,569+18.4% | $6,343+3.9% |
| Admin fee / account holder | $453 | $19,820-97.7% | $16,245-97.2% | $12,316-96.3% |