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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 | $89,690 | $150,207-40.3% | $120,380-25.5% | $145,978-38.6% |
| Participation rate | 80.0% | 78.8%+1.2pp | 71.9%+8.1pp | 80.3%-0.3pp |
| Annual return | 12.94% | 154.28%-141.3pp | 107.28%-94.3pp | 550.52%-537.6pp |
| Employer contribution / active EE | $1,711 | $4,351-60.7% | $3,465-50.6% | $4,662-63.3% |
| Participant deferral / active EE | $5,670 | $6,175-8.2% | $4,992+13.6% | $6,690-15.2% |
| Admin fee / account holder | $1,440 | $12,203-88.2% | $9,421-84.7% | $13,400-89.3% |