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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 | $129,852 | $183,627-29.3% | $155,602-16.5% | $145,978-11.0% |
| Participation rate | 86.4% | 82.7%+3.7pp | 78.2%+8.2pp | 80.3%+6.1pp |
| Annual return | 17.93% | 61.32%-43.4pp | 64.81%-46.9pp | 550.52%-532.6pp |
| Employer contribution / active EE | $3,928 | $5,316-26.1% | $4,675-16.0% | $4,662-15.7% |
| Participant deferral / active EE | $7,608 | $6,466+17.7% | $5,629+35.2% | $6,690+13.7% |
| Admin fee / account holder | $594 | $19,327-96.9% | $15,923-96.3% | $13,400-95.6% |