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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 | $110,518 | $98,240+12.5% | $82,312+34.3% | $147,586-25.1% |
| Participation rate | 90.9% | 79.7%+11.2pp | 76.9%+14.0pp | 82.8%+8.1pp |
| Annual return | 11.82% | 30.85%-19.0pp | 25.88%-14.1pp | 578.59%-566.8pp |
| Employer contribution / active EE | $1,118 | $3,192-65.0% | $2,428-54.0% | $4,876-77.1% |
| Participant deferral / active EE | $6,381 | $4,383+45.6% | $3,706+72.2% | $5,439+17.3% |
| Admin fee / account holder | $43,786 | $8,563+411.3% | $5,608+680.8% | $10,886+302.2% |