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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 | $141,629 | $98,766+43.4% | $149,730-5.4% | $79,852+77.4% |
| Participation rate | 95.6% | 75.8%+19.8pp | 82.5%+13.1pp | 69.6%+25.9pp |
| Annual return | 18.34% | 27.43%-9.1pp | 276.70%-258.4pp | 31.72%-13.4pp |
| Employer contribution / active EE | $2,929 | $3,217-9.0% | $4,645-37.0% | $2,471+18.5% |
| Participant deferral / active EE | $7,368 | $5,681+29.7% | $6,843+7.7% | $3,740+97.0% |
| Admin fee / account holder | $800 | $6,052-86.8% | $9,310-91.4% | $5,306-84.9% |