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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 | $114,988 | $141,004-18.5% | $112,273+2.4% | $139,466-17.6% |
| Participation rate | 70.0% | 79.2%-9.2pp | 72.4%-2.4pp | 80.3%-10.3pp |
| Annual return | 20.91% | 32.75%-11.8pp | 30.23%-9.3pp | 373.66%-352.7pp |
| Employer contribution / active EE | $6,981 | $4,285+62.9% | $3,431+103.4% | $4,754+46.8% |
| Participant deferral / active EE | $7,579 | $5,878+28.9% | $4,800+57.9% | $6,712+12.9% |
| Admin fee / account holder | $20,321 | $9,959+104.0% | $7,752+162.1% | $11,409+78.1% |