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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 | $91,499 | $118,877-23.0% | $96,570-5.3% | $167,536-45.4% |
| Participation rate | 94.1% | 75.5%+18.6pp | 69.8%+24.3pp | 82.1%+12.0pp |
| Annual return | 12.49% | 50.50%-38.0pp | 37.79%-25.3pp | 478.82%-466.3pp |
| Employer contribution / active EE | $3,368 | $3,121+7.9% | $2,357+42.9% | $4,839-30.4% |
| Participant deferral / active EE | $5,100 | $4,617+10.5% | $3,849+32.5% | $6,342-19.6% |
| Admin fee / account holder | $653 | $8,069-91.9% | $6,182-89.4% | $12,315-94.7% |