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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 | $114,687 | $141,004-18.7% | $112,273+2.2% | $139,466-17.8% |
| Participation rate | 80.0% | 79.2%+0.8pp | 72.4%+7.6pp | 80.3%-0.3pp |
| Annual return | 15.16% | 32.75%-17.6pp | 30.23%-15.1pp | 373.66%-358.5pp |
| Employer contribution / active EE | $17,728 | $4,285+313.7% | $3,431+416.6% | $4,754+272.9% |
| Participant deferral / active EE | $9,214 | $5,878+56.8% | $4,800+92.0% | $6,712+37.3% |
| Admin fee / account holder | $430 | $9,959-95.7% | $7,752-94.4% | $11,409-96.2% |