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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 | $91,397 | $117,846-22.4% | $102,434-10.8% | $145,884-37.3% |
| Participation rate | 91.7% | 78.6%+13.0pp | 76.5%+15.2pp | 80.3%+11.4pp |
| Annual return | 14.48% | 31.90%-17.4pp | 29.46%-15.0pp | 551.85%-537.4pp |
| Employer contribution / active EE | $3,389 | $3,615-6.3% | $3,023+12.1% | $4,662-27.3% |
| Participant deferral / active EE | $10,993 | $5,733+91.7% | $5,055+117.5% | $6,690+64.3% |
| Admin fee / account holder | $8,149 | $13,356-39.0% | $9,462-13.9% | $13,392-39.2% |