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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 | $125,534 | $117,846+6.5% | $102,434+22.6% | $145,884-13.9% |
| Participation rate | 70.0% | 78.6%-8.6pp | 76.5%-6.5pp | 80.3%-10.3pp |
| Annual return | 10.78% | 31.90%-21.1pp | 29.46%-18.7pp | 551.85%-541.1pp |
| Employer contribution / active EE | $2,111 | $3,615-41.6% | $3,023-30.2% | $4,662-54.7% |
| Participant deferral / active EE | $6,429 | $5,733+12.1% | $5,055+27.2% | $6,690-3.9% |
| Admin fee / account holder | $14,519 | $13,356+8.7% | $9,462+53.4% | $13,392+8.4% |