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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 | $69,974 | $129,737-46.1% | $119,126-41.3% | $154,746-54.8% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 19.15% | 379.08%-359.9pp | 282.11%-263.0pp | 172.34%-153.2pp |
| Employer contribution / active EE | $1,105 | $4,375-74.7% | $4,034-72.6% | $4,379-74.8% |
| Participant deferral / active EE | $5,610 | $5,842-4.0% | $5,318+5.5% | $6,730-16.6% |
| Admin fee / account holder | $538 | $11,961-95.5% | $10,693-95.0% | $14,365-96.3% |