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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 | $127,426 | $99,875+27.6% | $146,866-13.2% | $86,983+46.5% |
| Participation rate | 74.4% | 75.8%-1.4pp | 82.5%-8.1pp | 69.5%+4.8pp |
| Annual return | 16.52% | 28.10%-11.6pp | 102.85%-86.3pp | 25.83%-9.3pp |
| Employer contribution / active EE | $4,402 | $3,224+36.5% | $4,425-0.5% | $2,584+70.3% |
| Participant deferral / active EE | $9,059 | $6,322+43.3% | $7,759+16.7% | $4,194+116.0% |
| Admin fee / account holder | $28,620 | $7,838+265.2% | $13,620+110.1% | $7,856+264.3% |