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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 | $85,577 | $157,276-45.6% | $141,177-39.4% | $152,885-44.0% |
| Participation rate | 92.9% | 84.8%+8.0pp | 82.5%+10.4pp | 82.5%+10.4pp |
| Annual return | 18.42% | 64.33%-45.9pp | 71.40%-53.0pp | 345.39%-327.0pp |
| Employer contribution / active EE | $1,543 | $5,262-70.7% | $4,736-67.4% | $4,763-67.6% |
| Participant deferral / active EE | $6,084 | $7,110-14.4% | $6,710-9.3% | $5,851+4.0% |
| Admin fee / account holder | $307 | $12,123-97.5% | $10,263-97.0% | $11,598-97.4% |