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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 | $95,979 | $118,695-19.1% | $98,916-3.0% | $158,950-39.6% |
| Participation rate | 86.4% | 77.8%+8.5pp | 76.0%+10.3pp | 82.0%+4.4pp |
| Annual return | 16.48% | 372.39%-355.9pp | 196.45%-180.0pp | 302.91%-286.4pp |
| Employer contribution / active EE | $1,998 | $3,333-40.1% | $2,689-25.7% | $4,762-58.0% |
| Participant deferral / active EE | $4,633 | $5,088-9.0% | $4,245+9.1% | $5,983-22.6% |
| Admin fee / account holder | $457 | $10,132-95.5% | $6,642-93.1% | $11,248-95.9% |