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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 | $103,642 | $98,240+5.5% | $82,312+25.9% | $147,586-29.8% |
| Participation rate | 70.6% | 79.7%-9.1pp | 76.9%-6.3pp | 82.8%-12.2pp |
| Annual return | 14.48% | 30.85%-16.4pp | 25.88%-11.4pp | 578.59%-564.1pp |
| Employer contribution / active EE | $2,151 | $3,192-32.6% | $2,428-11.4% | $4,876-55.9% |
| Participant deferral / active EE | $5,387 | $4,383+22.9% | $3,706+45.3% | $5,439-1.0% |
| Admin fee / account holder | $2,841 | $8,563-66.8% | $5,608-49.3% | $10,886-73.9% |