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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 | $144,183 | $208,088-30.7% | $186,193-22.6% | $154,746-6.8% |
| Participation rate | 79.2% | 80.0%-0.8pp | 77.1%+2.1pp | 80.7%-1.5pp |
| Annual return | 14.64% | 89.97%-75.3pp | 78.03%-63.4pp | 172.34%-157.7pp |
| Employer contribution / active EE | $2,630 | $4,340-39.4% | $3,918-32.9% | $4,379-39.9% |
| Participant deferral / active EE | $12,716 | $7,078+79.7% | $6,513+95.2% | $6,730+88.9% |
| Admin fee / account holder | $928 | $11,698-92.1% | $11,058-91.6% | $14,365-93.5% |