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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 | $145,537 | $124,336+17.1% | $111,303+30.8% | $167,518-13.1% |
| Participation rate | 89.5% | 79.6%+9.8pp | 77.3%+12.2pp | 82.1%+7.4pp |
| Annual return | 16.28% | 37.45%-21.2pp | 54.66%-38.4pp | 478.71%-462.4pp |
| Employer contribution / active EE | $1,176 | $3,436-65.8% | $2,731-57.0% | $4,838-75.7% |
| Participant deferral / active EE | $7,589 | $5,181+46.5% | $4,487+69.1% | $6,342+19.7% |
| Admin fee / account holder | $932 | $10,623-91.2% | $7,966-88.3% | $12,312-92.4% |