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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 | $106,247-12.0% | $96,515-3.1% | $139,466-32.9% |
| Participation rate | 94.4% | 77.8%+16.6pp | 74.3%+20.1pp | 80.3%+14.1pp |
| Annual return | 12.91% | 38.47%-25.6pp | 35.73%-22.8pp | 373.66%-360.8pp |
| Employer contribution / active EE | $4,130 | $4,106+0.6% | $3,740+10.4% | $4,754-13.1% |
| Participant deferral / active EE | $9,511 | $5,456+74.3% | $4,880+94.9% | $6,712+41.7% |
| Admin fee / account holder | $3,974 | $7,885-49.6% | $6,735-41.0% | $11,409-65.2% |