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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 | $90,561 | $100,147-9.6% | $81,286+11.4% | $145,877-37.9% |
| Participation rate | 88.9% | 74.2%+14.7pp | 69.5%+19.4pp | 80.3%+8.6pp |
| Annual return | 15.21% | 34.44%-19.2pp | 24.80%-9.6pp | 551.28%-536.1pp |
| Employer contribution / active EE | $3,764 | $2,977+26.4% | $2,463+52.9% | $4,663-19.3% |
| Participant deferral / active EE | $9,769 | $4,607+112.0% | $3,883+151.6% | $6,691+46.0% |
| Admin fee / account holder | $707 | $8,201-91.4% | $5,764-87.7% | $13,402-94.7% |