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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 | $123,945 | $102,938+20.4% | $94,105+31.7% | $138,895-10.8% |
| Participation rate | 75.0% | 74.6%+0.4pp | 71.9%+3.1pp | 79.9%-4.9pp |
| Annual return | 16.37% | 250.28%-233.9pp | 204.55%-188.2pp | 145.39%-129.0pp |
| Employer contribution / active EE | $980 | $2,732-64.1% | $2,504-60.9% | $4,194-76.6% |
| Participant deferral / active EE | $7,530 | $4,196+79.4% | $3,881+94.0% | $6,396+17.7% |
| Admin fee / account holder | $915 | $6,600-86.1% | $6,199-85.2% | $12,562-92.7% |