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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 | $97,302 | $107,809-9.7% | $97,032+0.3% | $155,188-37.3% |
| Participation rate | 75.0% | 75.5%-0.5pp | 71.6%+3.4pp | 80.8%-5.8pp |
| Annual return | 18.73% | 38.06%-19.3pp | 35.38%-16.6pp | 148.84%-130.1pp |
| Employer contribution / active EE | $2,349 | $2,911-19.3% | $2,629-10.6% | $4,248-44.7% |
| Participant deferral / active EE | $7,722 | $5,129+50.5% | $4,672+65.3% | $6,531+18.2% |
| Admin fee / account holder | $1,652 | $10,717-84.6% | $9,418-82.5% | $14,480-88.6% |