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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 | $158,460 | $114,013+39.0% | $103,693+52.8% | $155,188+2.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 12.64% | 49.31%-36.7pp | 47.61%-35.0pp | 148.84%-136.2pp |
| Employer contribution / active EE | $1,969 | $3,131-37.1% | $2,920-32.6% | $4,248-53.7% |
| Participant deferral / active EE | $9,904 | $4,970+99.3% | $4,579+116.3% | $6,531+51.6% |
| Admin fee / account holder | $1,041 | $8,407-87.6% | $7,858-86.8% | $14,480-92.8% |