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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 | $114,797 | $118,869-3.4% | $96,575+18.9% | $167,518-31.5% |
| Participation rate | 85.7% | 75.5%+10.2pp | 69.8%+15.9pp | 82.1%+3.6pp |
| Annual return | 10.98% | 50.49%-39.5pp | 37.79%-26.8pp | 478.71%-467.7pp |
| Employer contribution / active EE | $839 | $3,120-73.1% | $2,357-64.4% | $4,838-82.7% |
| Participant deferral / active EE | $4,700 | $4,616+1.8% | $3,849+22.1% | $6,342-25.9% |
| Admin fee / account holder | $921 | $8,067-88.6% | $6,182-85.1% | $12,312-92.5% |