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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 | $112,345 | $211,239-46.8% | $178,528-37.1% | $145,877-23.0% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 15.71% | 30.22%-14.5pp | 27.11%-11.4pp | 551.28%-535.6pp |
| Employer contribution / active EE | $12,747 | $4,570+178.9% | $3,950+222.7% | $4,663+173.4% |
| Participant deferral / active EE | $6,954 | $6,963-0.1% | $6,278+10.8% | $6,691+3.9% |
| Admin fee / account holder | $472 | $12,095-96.1% | $10,419-95.5% | $13,402-96.5% |