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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 | $93,535 | $106,267-12.0% | $96,520-3.1% | $139,456-32.9% |
| Participation rate | 94.4% | 77.8%+16.6pp | 74.3%+20.1pp | 80.3%+14.1pp |
| Annual return | 12.91% | 38.45%-25.5pp | 35.72%-22.8pp | 373.45%-360.5pp |
| Employer contribution / active EE | $4,130 | $4,105+0.6% | $3,739+10.5% | $4,753-13.1% |
| Participant deferral / active EE | $9,511 | $5,454+74.4% | $4,879+95.0% | $6,711+41.7% |
| Admin fee / account holder | $3,974 | $7,882-49.6% | $6,733-41.0% | $11,407-65.2% |