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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 | $127,310 | $125,237+1.7% | $105,608+20.5% | $145,877-12.7% |
| Participation rate | 91.7% | 77.7%+14.0pp | 75.3%+16.4pp | 80.3%+11.4pp |
| Annual return | 11.25% | 225.76%-214.5pp | 116.50%-105.2pp | 551.28%-540.0pp |
| Employer contribution / active EE | $1,282 | $3,720-65.5% | $3,167-59.5% | $4,663-72.5% |
| Participant deferral / active EE | $3,538 | $5,711-38.0% | $5,010-29.4% | $6,691-47.1% |
| Admin fee / account holder | $662 | $17,287-96.2% | $11,028-94.0% | $13,402-95.1% |