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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 | $128,889 | $104,251+23.6% | $91,004+41.6% | $147,586-12.7% |
| Participation rate | 84.6% | 78.2%+6.4pp | 75.6%+9.0pp | 82.8%+1.8pp |
| Annual return | 20.47% | 27.06%-6.6pp | 4.60%+15.9pp | 578.59%-558.1pp |
| Employer contribution / active EE | $1,997 | $3,116-35.9% | $2,456-18.7% | $4,876-59.0% |
| Participant deferral / active EE | $4,261 | $4,195+1.6% | $3,548+20.1% | $5,439-21.7% |
| Admin fee / account holder | $562 | $8,948-93.7% | $5,417-89.6% | $10,886-94.8% |