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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 | $153,256 | $118,877+28.9% | $96,570+58.7% | $167,536-8.5% |
| Participation rate | 87.5% | 75.5%+12.0pp | 69.8%+17.7pp | 82.1%+5.4pp |
| Annual return | 18.01% | 50.50%-32.5pp | 37.79%-19.8pp | 478.82%-460.8pp |
| Employer contribution / active EE | $1,868 | $3,121-40.1% | $2,357-20.8% | $4,839-61.4% |
| Participant deferral / active EE | $4,009 | $4,617-13.2% | $3,849+4.1% | $6,342-36.8% |
| Admin fee / account holder | $646 | $8,069-92.0% | $6,182-89.6% | $12,315-94.8% |