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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 | $97,810 | $106,280-8.0% | $96,538+1.3% | $139,487-29.9% |
| Participation rate | 88.9% | 77.8%+11.0pp | 74.3%+14.5pp | 80.3%+8.6pp |
| Annual return | 23.20% | 38.48%-15.3pp | 35.74%-12.5pp | 373.84%-350.6pp |
| Employer contribution / active EE | $2,370 | $4,107-42.3% | $3,740-36.6% | $4,755-50.2% |
| Participant deferral / active EE | $7,725 | $5,457+41.6% | $4,880+58.3% | $6,713+15.1% |
| Admin fee / account holder | $1,846 | $7,888-76.6% | $6,737-72.6% | $11,407-83.8% |