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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 | $67,516 | $107,421-37.1% | $182,262-63.0% | $94,015-28.2% |
| Participation rate | 92.0% | 77.8%+14.2pp | 84.2%+7.8pp | 70.8%+21.2pp |
| Annual return | 19.98% | 21.32%-1.3pp | 140.60%-120.6pp | 17.84%+2.1pp |
| Employer contribution / active EE | $4,157 | $3,448+20.6% | $5,046-17.6% | $2,790+49.0% |
| Participant deferral / active EE | $7,838 | $6,558+19.5% | $8,276-5.3% | $4,249+84.4% |
| Admin fee / account holder | $994 | $8,692-88.6% | $16,712-94.0% | $8,951-88.9% |