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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 | $89,550 | $100,125-10.6% | $81,482+9.9% | $145,978-38.7% |
| Participation rate | 78.6% | 74.2%+4.4pp | 69.5%+9.1pp | 80.3%-1.7pp |
| Annual return | 11.34% | 34.44%-23.1pp | 24.79%-13.5pp | 550.52%-539.2pp |
| Employer contribution / active EE | $4,211 | $2,977+41.4% | $2,463+71.0% | $4,662-9.7% |
| Participant deferral / active EE | $7,408 | $4,609+60.7% | $3,885+90.7% | $6,690+10.7% |
| Admin fee / account holder | $5,909 | $8,198-27.9% | $5,761+2.6% | $13,400-55.9% |