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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 | $93,716 | $105,856-11.5% | $90,161+3.9% | $147,585-36.5% |
| Participation rate | 83.3% | 79.7%+3.6pp | 76.9%+6.5pp | 82.8%+0.5pp |
| Annual return | 16.68% | 37.63%-20.9pp | 34.89%-18.2pp | 578.58%-561.9pp |
| Employer contribution / active EE | $3,995 | $4,126-3.2% | $3,318+20.4% | $4,876-18.1% |
| Participant deferral / active EE | $14,133 | $5,733+146.5% | $5,287+167.3% | $5,439+159.9% |
| Admin fee / account holder | $519 | $8,046-93.6% | $5,943-91.3% | $10,886-95.2% |