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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 | $120,146 | $127,779-6.0% | $106,551+12.8% | $167,518-28.3% |
| Participation rate | 93.8% | 78.3%+15.5pp | 76.1%+17.6pp | 82.1%+11.6pp |
| Annual return | 12.83% | 33.87%-21.0pp | 26.80%-14.0pp | 478.71%-465.9pp |
| Employer contribution / active EE | $1,819 | $3,427-46.9% | $2,819-35.5% | $4,838-62.4% |
| Participant deferral / active EE | $3,488 | $5,088-31.4% | $4,398-20.7% | $6,342-45.0% |
| Admin fee / account holder | $759 | $11,228-93.2% | $7,408-89.7% | $12,312-93.8% |