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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 | $118,989 | $125,778-5.4% | $114,563+3.9% | $154,746-23.1% |
| Participation rate | 88.9% | 75.2%+13.7pp | 72.9%+16.0pp | 80.7%+8.2pp |
| Annual return | 22.05% | 295.14%-273.1pp | 241.09%-219.0pp | 172.34%-150.3pp |
| Employer contribution / active EE | $1,444 | $2,806-48.5% | $2,592-44.3% | $4,379-67.0% |
| Participant deferral / active EE | $9,253 | $4,445+108.2% | $4,142+123.4% | $6,730+37.5% |
| Admin fee / account holder | $1,128 | $8,190-86.2% | $7,623-85.2% | $14,365-92.1% |