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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 | $118,316 | $137,414-13.9% | $189,545-37.6% | $85,851+37.8% |
| Participation rate | 84.7% | 84.6%+0.1pp | 87.8%-3.1pp | 69.3%+15.4pp |
| Annual return | 16.02% | 38.14%-22.1pp | 555.36%-539.3pp | 318.63%-302.6pp |
| Employer contribution / active EE | $4,548 | $4,344+4.7% | $6,162-26.2% | $2,565+77.3% |
| Participant deferral / active EE | $8,548 | $6,260+36.6% | $8,220+4.0% | $3,952+116.3% |
| Admin fee / account holder | $6,338 | $8,630-26.6% | $12,049-47.4% | $6,261+1.2% |