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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 | $105,728 | $124,351-15.0% | $109,188-3.2% | $167,553-36.9% |
| Participation rate | 90.5% | 79.4%+11.0pp | 75.9%+14.6pp | 82.1%+8.4pp |
| Annual return | 12.49% | 26.04%-13.6pp | 25.76%-13.3pp | 478.89%-466.4pp |
| Employer contribution / active EE | $826 | $4,210-80.4% | $3,723-77.8% | $4,840-82.9% |
| Participant deferral / active EE | $5,576 | $5,257+6.1% | $4,654+19.8% | $6,343-12.1% |
| Admin fee / account holder | $570 | $7,975-92.9% | $6,755-91.6% | $12,316-95.4% |