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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 | $96,923 | $116,203-16.6% | $93,621+3.5% | $152,909-36.6% |
| Participation rate | 94.1% | 78.1%+16.1pp | 75.8%+18.3pp | 82.5%+11.7pp |
| Annual return | 15.13% | 35.96%-20.8pp | 32.76%-17.6pp | 345.46%-330.3pp |
| Employer contribution / active EE | $4,357 | $3,219+35.3% | $2,719+60.3% | $4,764-8.5% |
| Participant deferral / active EE | $1,857 | $4,605-59.7% | $4,070-54.4% | $5,851-68.3% |
| Admin fee / account holder | $3,994 | $10,751-62.8% | $7,890-49.4% | $11,601-65.6% |