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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 | $97,734 | $117,895-17.1% | $102,460-4.6% | $145,897-33.0% |
| Participation rate | 83.3% | 78.6%+4.7pp | 76.5%+6.8pp | 80.3%+3.0pp |
| Annual return | 16.98% | 31.92%-14.9pp | 29.47%-12.5pp | 552.29%-535.3pp |
| Employer contribution / active EE | $2,917 | $3,619-19.4% | $3,025-3.6% | $4,663-37.4% |
| Participant deferral / active EE | $9,136 | $5,736+59.3% | $5,056+80.7% | $6,689+36.6% |
| Admin fee / account holder | $788 | $13,353-94.1% | $9,460-91.7% | $13,390-94.1% |