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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 | $97,160 | $110,337-11.9% | $102,383-5.1% | $145,877-33.4% |
| Participation rate | 84.6% | 77.9%+6.7pp | 74.5%+10.1pp | 80.3%+4.3pp |
| Annual return | 14.30% | 24.83%-10.5pp | 24.94%-10.6pp | 551.28%-537.0pp |
| Employer contribution / active EE | $3,117 | $4,216-26.1% | $3,870-19.5% | $4,663-33.2% |
| Participant deferral / active EE | $6,582 | $5,621+17.1% | $5,060+30.1% | $6,691-1.6% |
| Admin fee / account holder | $325 | $9,750-96.7% | $8,391-96.1% | $13,402-97.6% |