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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 | $102,759 | $98,776+4.0% | $149,745-31.4% | $79,856+28.7% |
| Participation rate | 70.6% | 75.8%-5.2pp | 82.5%-11.9pp | 69.6%+0.9pp |
| Annual return | 17.50% | 27.38%-9.9pp | 276.72%-259.2pp | 31.71%-14.2pp |
| Employer contribution / active EE | $3,560 | $3,217+10.6% | $4,646-23.4% | $2,471+44.0% |
| Participant deferral / active EE | $8,058 | $5,681+41.8% | $6,843+17.8% | $3,741+115.4% |
| Admin fee / account holder | $6,089 | $6,053+0.6% | $9,312-34.6% | $5,306+14.7% |