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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 | $100,116 | $105,284-4.9% | $150,734-33.6% | $94,015+6.5% |
| Participation rate | 74.5% | 71.7%+2.8pp | 78.4%-3.9pp | 70.8%+3.7pp |
| Annual return | 14.93% | 15.67%-0.7pp | 600.81%-585.9pp | 17.84%-2.9pp |
| Employer contribution / active EE | $3,640 | $3,599+1.2% | $4,918-26.0% | $2,790+30.5% |
| Participant deferral / active EE | $5,143 | $4,274+20.3% | $5,610-8.3% | $4,249+21.0% |
| Admin fee / account holder | $600 | $9,839-93.9% | $14,905-96.0% | $8,951-93.3% |