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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 | $99,772 | $97,078+2.8% | $103,065-3.2% | $145,897-31.6% |
| Participation rate | 90.9% | 81.1%+9.8pp | 80.6%+10.4pp | 80.3%+10.6pp |
| Annual return | 10.32% | 25.49%-15.2pp | 23.95%-13.6pp | 552.29%-542.0pp |
| Employer contribution / active EE | $4,100 | $4,680-12.4% | $4,675-12.3% | $4,663-12.1% |
| Participant deferral / active EE | $6,779 | $6,601+2.7% | $6,625+2.3% | $6,689+1.3% |
| Admin fee / account holder | $1,459 | $12,505-88.3% | $9,349-84.4% | $13,390-89.1% |