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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 | $121,488 | $175,259-30.7% | $149,723-18.9% | $139,487-12.9% |
| Participation rate | 91.7% | 83.4%+8.3pp | 78.8%+12.9pp | 80.3%+11.3pp |
| Annual return | 15.06% | 166.82%-151.8pp | 134.50%-119.4pp | 373.84%-358.8pp |
| Employer contribution / active EE | $1,772 | $5,478-67.6% | $4,821-63.2% | $4,755-62.7% |
| Participant deferral / active EE | $8,901 | $6,522+36.5% | $5,682+56.6% | $6,713+32.6% |
| Admin fee / account holder | $921 | $16,158-94.3% | $13,215-93.0% | $11,407-91.9% |