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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 | $143,617 | $183,592-21.8% | $155,574-7.7% | $145,877-1.5% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 13.75% | 61.37%-47.6pp | 64.87%-51.1pp | 551.28%-537.5pp |
| Employer contribution / active EE | $1,896 | $5,317-64.3% | $4,676-59.5% | $4,663-59.3% |
| Participant deferral / active EE | $5,914 | $6,466-8.5% | $5,629+5.1% | $6,691-11.6% |
| Admin fee / account holder | $923 | $19,316-95.2% | $15,914-94.2% | $13,402-93.1% |