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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 | $124,255 | $185,312-32.9% | $161,489-23.1% | $154,746-19.7% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 12.84% | 103.84%-91.0pp | 89.72%-76.9pp | 172.34%-159.5pp |
| Employer contribution / active EE | $2,515 | $4,769-47.3% | $4,268-41.1% | $4,379-42.6% |
| Participant deferral / active EE | $10,021 | $6,350+57.8% | $5,630+78.0% | $6,730+48.9% |
| Admin fee / account holder | $3,040 | $18,654-83.7% | $16,006-81.0% | $14,365-78.8% |