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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 | $88,211 | $201,344-56.2% | $184,243-52.1% | $145,877-39.5% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 16.78% | 29.01%-12.2pp | 28.82%-12.0pp | 551.28%-534.5pp |
| Employer contribution / active EE | $5,025 | $7,022-28.4% | $6,427-21.8% | $4,663+7.8% |
| Participant deferral / active EE | $13,087 | $9,807+33.5% | $9,132+43.3% | $6,691+95.6% |
| Admin fee / account holder | $998 | $16,382-93.9% | $13,914-92.8% | $13,402-92.6% |