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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 | $97,431 | $110,212-11.6% | $96,534+0.9% | $139,466-30.1% |
| Participation rate | 90.0% | 78.1%+11.9pp | 76.0%+14.0pp | 80.3%+9.7pp |
| Annual return | 16.23% | 26.42%-10.2pp | 25.88%-9.6pp | 373.66%-357.4pp |
| Employer contribution / active EE | $5,876 | $3,620+62.3% | $2,965+98.1% | $4,754+23.6% |
| Participant deferral / active EE | $3,351 | $5,547-39.6% | $4,851-30.9% | $6,712-50.1% |
| Admin fee / account holder | $399 | $11,599-96.6% | $8,253-95.2% | $11,409-96.5% |