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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 | $125,682 | $162,821-22.8% | $133,978-6.2% | $158,982-20.9% |
| Participation rate | 80.0% | 83.2%-3.2pp | 79.8%+0.2pp | 82.0%-2.0pp |
| Annual return | 16.97% | 41.95%-25.0pp | 45.10%-28.1pp | 302.99%-286.0pp |
| Employer contribution / active EE | $9,309 | $4,976+87.1% | $3,919+137.5% | $4,763+95.5% |
| Participant deferral / active EE | $11,108 | $5,910+87.9% | $5,047+120.1% | $5,983+85.6% |
| Admin fee / account holder | $459 | $11,742-96.1% | $8,930-94.9% | $11,252-95.9% |