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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 | $88,561 | $98,240-9.9% | $82,313+7.6% | $147,585-40.0% |
| Participation rate | 81.0% | 79.7%+1.2pp | 76.9%+4.1pp | 82.8%-1.9pp |
| Annual return | 13.91% | 30.85%-16.9pp | 25.88%-12.0pp | 578.57%-564.7pp |
| Employer contribution / active EE | $2,715 | $3,192-14.9% | $2,428+11.8% | $4,876-44.3% |
| Participant deferral / active EE | $4,300 | $4,383-1.9% | $3,706+16.0% | $5,439-20.9% |
| Admin fee / account holder | $304 | $8,563-96.5% | $5,608-94.6% | $10,885-97.2% |