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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 | $98,013 | $106,280-7.8% | $96,538+1.5% | $139,487-29.7% |
| Participation rate | 72.7% | 77.8%-5.1pp | 74.3%-1.6pp | 80.3%-7.6pp |
| Annual return | 19.02% | 38.48%-19.5pp | 35.74%-16.7pp | 373.84%-354.8pp |
| Employer contribution / active EE | $4,926 | $4,107+20.0% | $3,740+31.7% | $4,755+3.6% |
| Participant deferral / active EE | $14,727 | $5,457+169.9% | $4,880+201.8% | $6,713+119.4% |
| Admin fee / account holder | $301 | $7,888-96.2% | $6,737-95.5% | $11,407-97.4% |