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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 | $99,303 | $102,422-3.0% | $147,117-32.5% | $80,959+22.7% |
| Participation rate | 81.0% | 75.9%+5.1pp | 82.2%-1.2pp | 67.7%+13.3pp |
| Annual return | 16.45% | 135.16%-118.7pp | 420.54%-404.1pp | 35.67%-19.2pp |
| Employer contribution / active EE | $1,329 | $3,717-64.3% | $4,932-73.1% | $2,757-51.8% |
| Participant deferral / active EE | $6,151 | $6,652-7.5% | $8,065-23.7% | $4,300+43.0% |
| Admin fee / account holder | $5,976 | $7,953-24.9% | $12,993-54.0% | $6,925-13.7% |