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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 | $90,905 | $93,345-2.6% | $119,126-23.7% | $87,485+3.9% |
| Participation rate | 73.6% | 68.7%+4.8pp | 75.8%-2.2pp | 68.9%+4.7pp |
| Annual return | 13.68% | 19.08%-5.4pp | 282.11%-268.4pp | 26.06%-12.4pp |
| Employer contribution / active EE | $960 | $3,172-69.7% | $4,034-76.2% | $2,596-63.0% |
| Participant deferral / active EE | $3,886 | $4,099-5.2% | $5,318-26.9% | $4,274-9.1% |
| Admin fee / account holder | $737 | $8,039-90.8% | $10,693-93.1% | $7,775-90.5% |