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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 | $102,961 | $98,760+4.3% | $149,715-31.2% | $79,858+28.9% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.5%+6.4pp | 69.6%+19.3pp |
| Annual return | 13.12% | 27.43%-14.3pp | 276.66%-263.5pp | 31.72%-18.6pp |
| Employer contribution / active EE | $1,548 | $3,217-51.9% | $4,645-66.7% | $2,471-37.3% |
| Participant deferral / active EE | $5,935 | $5,681+4.5% | $6,842-13.3% | $3,740+58.7% |
| Admin fee / account holder | $467 | $6,053-92.3% | $9,310-95.0% | $5,306-91.2% |