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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 | $131,622 | $117,895+11.6% | $102,460+28.5% | $145,897-9.8% |
| Participation rate | 95.7% | 78.6%+17.0pp | 76.5%+19.1pp | 80.3%+15.3pp |
| Annual return | 11.71% | 31.92%-20.2pp | 29.47%-17.8pp | 552.29%-540.6pp |
| Employer contribution / active EE | $1,381 | $3,619-61.8% | $3,025-54.3% | $4,663-70.4% |
| Participant deferral / active EE | $6,885 | $5,736+20.0% | $5,056+36.2% | $6,689+2.9% |
| Admin fee / account holder | $1,071 | $13,353-92.0% | $9,460-88.7% | $13,390-92.0% |