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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 | $99,386 | $124,346-20.1% | $111,308-10.7% | $167,536-40.7% |
| Participation rate | 84.2% | 79.6%+4.6pp | 77.3%+6.9pp | 82.1%+2.1pp |
| Annual return | 12.60% | 37.45%-24.8pp | 54.67%-42.1pp | 478.82%-466.2pp |
| Employer contribution / active EE | $3,404 | $3,437-1.0% | $2,732+24.6% | $4,839-29.7% |
| Participant deferral / active EE | $7,793 | $5,182+50.4% | $4,487+73.7% | $6,342+22.9% |
| Admin fee / account holder | $985 | $10,621-90.7% | $7,965-87.6% | $12,315-92.0% |