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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 | $96,399 | $106,280-9.3% | $96,538-0.1% | $139,487-30.9% |
| Participation rate | 93.8% | 77.8%+15.9pp | 74.3%+19.4pp | 80.3%+13.4pp |
| Annual return | 18.93% | 38.48%-19.6pp | 35.74%-16.8pp | 373.84%-354.9pp |
| Employer contribution / active EE | $3,805 | $4,107-7.3% | $3,740+1.7% | $4,755-20.0% |
| Participant deferral / active EE | $12,009 | $5,457+120.1% | $4,880+146.1% | $6,713+78.9% |
| Admin fee / account holder | $461 | $7,888-94.2% | $6,737-93.2% | $11,407-96.0% |