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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 | $131,184 | $108,882+20.5% | $96,754+35.6% | $154,746-15.2% |
| Participation rate | 95.2% | 75.1%+20.2pp | 70.3%+25.0pp | 80.7%+14.5pp |
| Annual return | 14.35% | 98.39%-84.0pp | 82.04%-67.7pp | 172.34%-158.0pp |
| Employer contribution / active EE | $1,769 | $3,018-41.4% | $2,679-34.0% | $4,379-59.6% |
| Participant deferral / active EE | $3,579 | $5,323-32.8% | $4,758-24.8% | $6,730-46.8% |
| Admin fee / account holder | $12,213 | $10,200+19.7% | $8,905+37.1% | $14,365-15.0% |