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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 | $116,303 | $124,980-6.9% | $108,359+7.3% | $154,746-24.8% |
| Participation rate | 81.0% | 75.2%+5.8pp | 70.1%+10.8pp | 80.7%+0.3pp |
| Annual return | 30.86% | 45.00%-14.1pp | 36.89%-6.0pp | 172.34%-141.5pp |
| Employer contribution / active EE | $821 | $2,851-71.2% | $2,399-65.8% | $4,379-81.3% |
| Participant deferral / active EE | $4,800 | $4,743+1.2% | $4,137+16.0% | $6,730-28.7% |
| Admin fee / account holder | $28,832 | $11,502+150.7% | $9,741+196.0% | $14,365+100.7% |