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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 | $108,504 | $106,280+2.1% | $96,538+12.4% | $139,487-22.2% |
| Participation rate | 80.0% | 77.8%+2.2pp | 74.3%+5.7pp | 80.3%-0.3pp |
| Annual return | 14.10% | 38.48%-24.4pp | 35.74%-21.6pp | 373.84%-359.7pp |
| Employer contribution / active EE | $2,810 | $4,107-31.6% | $3,740-24.9% | $4,755-40.9% |
| Participant deferral / active EE | $10,406 | $5,457+90.7% | $4,880+113.2% | $6,713+55.0% |
| Admin fee / account holder | $4,527 | $7,888-42.6% | $6,737-32.8% | $11,407-60.3% |