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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 | $97,588 | $95,415+2.3% | $185,851-47.5% | $85,851+13.7% |
| Participation rate | 76.0% | 68.8%+7.2pp | 81.7%-5.7pp | 69.3%+6.7pp |
| Annual return | 13.50% | 23.59%-10.1pp | 122.11%-108.6pp | 318.63%-305.1pp |
| Employer contribution / active EE | $1,402 | $3,314-57.7% | $5,168-72.9% | $2,565-45.3% |
| Participant deferral / active EE | $2,527 | $3,424-26.2% | $5,569-54.6% | $3,952-36.1% |
| Admin fee / account holder | $832 | $7,215-88.5% | $16,245-94.9% | $6,261-86.7% |