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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 | $146,480 | $127,779+14.6% | $106,551+37.5% | $167,518-12.6% |
| Participation rate | 93.8% | 78.3%+15.5pp | 76.1%+17.6pp | 82.1%+11.6pp |
| Annual return | 21.95% | 33.87%-11.9pp | 26.80%-4.9pp | 478.71%-456.8pp |
| Employer contribution / active EE | $1,621 | $3,427-52.7% | $2,819-42.5% | $4,838-66.5% |
| Participant deferral / active EE | $3,641 | $5,088-28.4% | $4,398-17.2% | $6,342-42.6% |
| Admin fee / account holder | $808 | $11,228-92.8% | $7,408-89.1% | $12,312-93.4% |