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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 | $108,106 | $124,330-13.0% | $109,173-1.0% | $167,536-35.5% |
| Participation rate | 80.0% | 79.5%+0.5pp | 75.9%+4.1pp | 82.1%-2.1pp |
| Annual return | 18.35% | 26.04%-7.7pp | 25.75%-7.4pp | 478.82%-460.5pp |
| Employer contribution / active EE | $2,253 | $4,209-46.5% | $3,723-39.5% | $4,839-53.5% |
| Participant deferral / active EE | $9,008 | $5,256+71.4% | $4,654+93.6% | $6,342+42.0% |
| Admin fee / account holder | $545 | $7,974-93.2% | $6,755-91.9% | $12,315-95.6% |