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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 | $96,492 | $53,128+81.6% | $86,582+11.4% | $70,126+37.6% |
| Participation rate | 75.0% | 65.3%+9.7pp | 73.5%+1.5pp | 69.5%+5.5pp |
| Annual return | 17.33% | 27.66%-10.3pp | 965.08%-947.8pp | 73.15%-55.8pp |
| Employer contribution / active EE | $1,842 | $2,068-10.9% | $2,839-35.1% | $2,343-21.4% |
| Participant deferral / active EE | $4,366 | $2,695+62.0% | $3,609+21.0% | $3,332+31.0% |
| Admin fee / account holder | $398 | $3,584-88.9% | $4,904-91.9% | $4,645-91.4% |