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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 | $103,548 | $112,729-8.1% | $98,716+4.9% | $137,256-24.6% |
| Participation rate | 76.9% | 74.2%+2.7pp | 69.3%+7.6pp | 80.0%-3.0pp |
| Annual return | 20.59% | 38.48%-17.9pp | 31.81%-11.2pp | 220.34%-199.8pp |
| Employer contribution / active EE | $3,137 | $2,725+15.1% | $2,279+37.7% | $4,156-24.5% |
| Participant deferral / active EE | $6,090 | $4,640+31.2% | $4,048+50.5% | $6,407-4.9% |
| Admin fee / account holder | $468 | $10,129-95.4% | $8,703-94.6% | $12,270-96.2% |