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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 | $103,288 | $110,337-6.4% | $102,383+0.9% | $145,877-29.2% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.5%+11.2pp | 80.3%+5.4pp |
| Annual return | 12.78% | 24.83%-12.1pp | 24.94%-12.2pp | 551.28%-538.5pp |
| Employer contribution / active EE | $7,400 | $4,216+75.5% | $3,870+91.2% | $4,663+58.7% |
| Participant deferral / active EE | $10,060 | $5,621+79.0% | $5,060+98.8% | $6,691+50.4% |
| Admin fee / account holder | $964 | $9,750-90.1% | $8,391-88.5% | $13,402-92.8% |