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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 | $106,211 | $86,288+23.1% | $111,306-4.6% | $85,851+23.7% |
| Participation rate | 75.8% | 73.3%+2.4pp | 77.3%-1.6pp | 69.3%+6.4pp |
| Annual return | 17.93% | 19.99%-2.1pp | 54.67%-36.7pp | 318.63%-300.7pp |
| Employer contribution / active EE | $715 | $2,044-65.0% | $2,732-73.8% | $2,565-72.1% |
| Participant deferral / active EE | $7,523 | $3,641+106.6% | $4,488+67.6% | $3,952+90.3% |
| Admin fee / account holder | $4,334 | $8,189-47.1% | $7,966-45.6% | $6,261-30.8% |