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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 | $105,031 | $117,859-10.9% | $102,438+2.5% | $145,959-28.0% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 12.21% | 31.72%-19.5pp | 29.37%-17.2pp | 561.95%-549.7pp |
| Employer contribution / active EE | $2,837 | $3,615-21.5% | $3,024-6.2% | $4,661-39.1% |
| Participant deferral / active EE | $6,978 | $5,732+21.7% | $5,054+38.1% | $6,689+4.3% |
| Admin fee / account holder | $458 | $13,318-96.6% | $9,448-95.2% | $13,398-96.6% |