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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 | $136,739 | $103,392+32.3% | $87,104+57.0% | $152,897-10.6% |
| Participation rate | 94.7% | 79.4%+15.4pp | 76.9%+17.9pp | 82.5%+12.3pp |
| Annual return | 20.59% | 28.10%-7.5pp | 28.19%-7.6pp | 345.43%-324.8pp |
| Employer contribution / active EE | $1,375 | $3,221-57.3% | $2,521-45.5% | $4,764-71.1% |
| Participant deferral / active EE | $2,963 | $4,778-38.0% | $4,048-26.8% | $5,851-49.4% |
| Admin fee / account holder | $8,693 | $12,194-28.7% | $7,491+16.0% | $11,599-25.1% |