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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 | $83,142 | $77,920+6.7% | $149,723-44.5% | $75,177+10.6% |
| Participation rate | 88.9% | 65.6%+23.3pp | 78.8%+10.1pp | 67.2%+21.7pp |
| Annual return | 18.66% | 31.72%-13.1pp | 134.50%-115.8pp | 160.75%-142.1pp |
| Employer contribution / active EE | $1,940 | $3,138-38.2% | $4,821-59.8% | $2,671-27.4% |
| Participant deferral / active EE | $5,323 | $3,411+56.0% | $5,682-6.3% | $4,126+29.0% |
| Admin fee / account holder | $493 | $5,951-91.7% | $13,215-96.3% | $5,651-91.3% |