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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 | $104,171 | $98,760+5.5% | $149,710-30.4% | $79,860+30.4% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 12.87% | 27.43%-14.6pp | 276.63%-263.8pp | 31.72%-18.8pp |
| Employer contribution / active EE | $7,398 | $3,217+130.0% | $4,645+59.3% | $2,471+199.4% |
| Participant deferral / active EE | $5,608 | $5,681-1.3% | $6,842-18.0% | $3,740+49.9% |
| Admin fee / account holder | $3,880 | $6,053-35.9% | $9,309-58.3% | $5,306-26.9% |