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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 | $96,253 | $86,288+11.5% | $111,306-13.5% | $85,851+12.1% |
| Participation rate | 94.9% | 73.3%+21.5pp | 77.3%+17.6pp | 69.3%+25.6pp |
| Annual return | 12.15% | 19.99%-7.8pp | 54.67%-42.5pp | 318.63%-306.5pp |
| Employer contribution / active EE | $1,282 | $2,044-37.3% | $2,732-53.1% | $2,565-50.0% |
| Participant deferral / active EE | $2,962 | $3,641-18.6% | $4,488-34.0% | $3,952-25.0% |
| Admin fee / account holder | $3,813 | $8,189-53.4% | $7,966-52.1% | $6,261-39.1% |