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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 | $132,137 | $211,224-37.4% | $178,505-26.0% | $145,897-9.4% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 11.28% | 30.28%-19.0pp | 27.16%-15.9pp | 552.29%-541.0pp |
| Employer contribution / active EE | $3,107 | $4,577-32.1% | $3,955-21.4% | $4,663-33.4% |
| Participant deferral / active EE | $14,860 | $6,966+113.3% | $6,280+136.6% | $6,689+122.1% |
| Admin fee / account holder | $10,219 | $12,109-15.6% | $10,428-2.0% | $13,390-23.7% |