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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 | $112,423 | $108,882+3.3% | $96,754+16.2% | $154,746-27.3% |
| Participation rate | 93.3% | 75.1%+18.3pp | 70.3%+23.1pp | 80.7%+12.6pp |
| Annual return | 10.41% | 98.39%-88.0pp | 82.04%-71.6pp | 172.34%-161.9pp |
| Employer contribution / active EE | $1,436 | $3,018-52.4% | $2,679-46.4% | $4,379-67.2% |
| Participant deferral / active EE | $4,721 | $5,323-11.3% | $4,758-0.8% | $6,730-29.9% |
| Admin fee / account holder | $1,933 | $10,200-81.1% | $8,905-78.3% | $14,365-86.5% |