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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 | $56,839 | $125,778-54.8% | $114,563-50.4% | $154,746-63.3% |
| Participation rate | 87.5% | 75.2%+12.3pp | 72.9%+14.6pp | 80.7%+6.8pp |
| Annual return | 18.46% | 295.14%-276.7pp | 241.09%-222.6pp | 172.34%-153.9pp |
| Employer contribution / active EE | $1,918 | $2,806-31.7% | $2,592-26.0% | $4,379-56.2% |
| Participant deferral / active EE | $10,598 | $4,445+138.5% | $4,142+155.9% | $6,730+57.5% |
| Admin fee / account holder | $912 | $8,190-88.9% | $7,623-88.0% | $14,365-93.7% |