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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 | $119,772 | $157,304-23.9% | $141,197-15.2% | $152,909-21.7% |
| Participation rate | 85.0% | 84.8%+0.2pp | 82.5%+2.5pp | 82.5%+2.5pp |
| Annual return | 25.19% | 64.34%-39.2pp | 71.41%-46.2pp | 345.46%-320.3pp |
| Employer contribution / active EE | $1,207 | $5,263-77.1% | $4,736-74.5% | $4,764-74.7% |
| Participant deferral / active EE | $4,619 | $7,111-35.0% | $6,710-31.2% | $5,851-21.1% |
| Admin fee / account holder | $794 | $12,126-93.5% | $10,265-92.3% | $11,601-93.2% |