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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 | $93,616 | $98,240-4.7% | $82,312+13.7% | $147,586-36.6% |
| Participation rate | 72.7% | 79.7%-7.0pp | 76.9%-4.2pp | 82.8%-10.1pp |
| Annual return | 17.27% | 30.85%-13.6pp | 25.88%-8.6pp | 578.59%-561.3pp |
| Employer contribution / active EE | $993 | $3,192-68.9% | $2,428-59.1% | $4,876-79.6% |
| Participant deferral / active EE | $3,033 | $4,383-30.8% | $3,706-18.2% | $5,439-44.2% |
| Admin fee / account holder | $382 | $8,563-95.5% | $5,608-93.2% | $10,886-96.5% |