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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 | $105,741 | $162,821-35.1% | $133,978-21.1% | $158,982-33.5% |
| Participation rate | 86.7% | 83.2%+3.4pp | 79.8%+6.8pp | 82.0%+4.7pp |
| Annual return | 12.88% | 41.95%-29.1pp | 45.10%-32.2pp | 302.99%-290.1pp |
| Employer contribution / active EE | $3,656 | $4,976-26.5% | $3,919-6.7% | $4,763-23.2% |
| Participant deferral / active EE | $7,595 | $5,910+28.5% | $5,047+50.5% | $5,983+26.9% |
| Admin fee / account holder | $17,208 | $11,742+46.6% | $8,930+92.7% | $11,252+52.9% |