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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 | $105,873 | $162,785-35.0% | $133,959-21.0% | $158,950-33.4% |
| Participation rate | 84.6% | 83.2%+1.4pp | 79.8%+4.8pp | 82.0%+2.7pp |
| Annual return | 16.70% | 41.94%-25.2pp | 45.09%-28.4pp | 302.91%-286.2pp |
| Employer contribution / active EE | $3,633 | $4,975-27.0% | $3,919-7.3% | $4,762-23.7% |
| Participant deferral / active EE | $12,853 | $5,910+117.5% | $5,047+154.6% | $5,983+114.8% |
| Admin fee / account holder | $1,129 | $11,738-90.4% | $8,928-87.4% | $11,248-90.0% |