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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 | $112,069 | $117,829-4.9% | $102,423+9.4% | $145,877-23.2% |
| Participation rate | 77.8% | 78.6%-0.8pp | 76.5%+1.3pp | 80.3%-2.5pp |
| Annual return | 16.34% | 31.83%-15.5pp | 29.42%-13.1pp | 551.28%-534.9pp |
| Employer contribution / active EE | $1,986 | $3,615-45.1% | $3,023-34.3% | $4,663-57.4% |
| Participant deferral / active EE | $2,955 | $5,732-48.5% | $5,054-41.5% | $6,691-55.8% |
| Admin fee / account holder | $30,695 | $13,335+130.2% | $9,455+224.7% | $13,402+129.0% |