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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 | $101,391 | $113,339-10.5% | $94,993+6.7% | $147,585-31.3% |
| Participation rate | 70.0% | 78.0%-8.0pp | 73.9%-3.9pp | 82.8%-12.8pp |
| Annual return | 17.29% | 20.77%-3.5pp | 27.12%-9.8pp | 578.57%-561.3pp |
| Employer contribution / active EE | $4,051 | $3,160+28.2% | $2,603+55.6% | $4,876-16.9% |
| Participant deferral / active EE | $5,935 | $3,777+57.1% | $3,317+78.9% | $5,439+9.1% |
| Admin fee / account holder | $584 | $6,063-90.4% | $4,960-88.2% | $10,885-94.6% |