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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 | $105,558 | $157,829-33.1% | $136,867-22.9% | $198,609-46.9% |
| Participation rate | 94.7% | 77.2%+17.6pp | 74.5%+20.2pp | 82.4%+12.4pp |
| Annual return | 11.32% | 51.25%-39.9pp | 42.97%-31.6pp | 202.70%-191.4pp |
| Employer contribution / active EE | $907 | $3,923-76.9% | $3,547-74.4% | $5,055-82.1% |
| Participant deferral / active EE | $4,067 | $5,463-25.6% | $4,924-17.4% | $6,977-41.7% |
| Admin fee / account holder | $9,597 | $11,107-13.6% | $10,340-7.2% | $19,030-49.6% |