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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 | $124,322 | $165,939-25.1% | $122,354+1.6% | $147,586-15.8% |
| Participation rate | 78.9% | 79.6%-0.6pp | 71.6%+7.3pp | 82.8%-3.9pp |
| Annual return | 18.51% | 34.56%-16.1pp | 30.28%-11.8pp | 578.59%-560.1pp |
| Employer contribution / active EE | $3,979 | $5,754-30.8% | $4,051-1.8% | $4,876-18.4% |
| Participant deferral / active EE | $9,621 | $4,005+140.2% | $3,287+192.7% | $5,439+76.9% |
| Admin fee / account holder | $1,059 | $7,425-85.7% | $5,479-80.7% | $10,886-90.3% |