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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 | $112,024 | $172,111-34.9% | $150,298-25.5% | $137,256-18.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 16.82% | 69.37%-52.6pp | 62.79%-46.0pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,193 | $4,636-74.3% | $4,154-71.3% | $4,156-71.3% |
| Participant deferral / active EE | $6,784 | $6,166+10.0% | $5,453+24.4% | $6,407+5.9% |
| Admin fee / account holder | $667 | $16,471-96.0% | $14,116-95.3% | $12,270-94.6% |