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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 | $84,224 | $201,344-58.2% | $184,243-54.3% | $145,877-42.3% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 10.91% | 29.01%-18.1pp | 28.82%-17.9pp | 551.28%-540.4pp |
| Employer contribution / active EE | $6,836 | $7,022-2.7% | $6,427+6.4% | $4,663+46.6% |
| Participant deferral / active EE | $15,254 | $9,807+55.5% | $9,132+67.0% | $6,691+128.0% |
| Admin fee / account holder | $372 | $16,382-97.7% | $13,914-97.3% | $13,402-97.2% |