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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 | $94,796 | $102,638-7.6% | $81,982+15.6% | $158,982-40.4% |
| Participation rate | 94.7% | 75.5%+19.2pp | 69.3%+25.5pp | 82.0%+12.8pp |
| Annual return | 15.18% | 61.05%-45.9pp | 41.31%-26.1pp | 302.99%-287.8pp |
| Employer contribution / active EE | $1,494 | $3,241-53.9% | $2,498-40.2% | $4,763-68.6% |
| Participant deferral / active EE | $13,153 | $4,649+182.9% | $3,722+253.3% | $5,983+119.8% |
| Admin fee / account holder | $384 | $8,237-95.3% | $5,665-93.2% | $11,252-96.6% |