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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 | $117,904-17.1% | $102,457-4.6% | $145,978-33.0% |
| Participation rate | 83.3% | 78.6%+4.7pp | 76.5%+6.8pp | 80.3%+3.0pp |
| Annual return | 16.98% | 31.80%-14.8pp | 29.41%-12.4pp | 550.52%-533.5pp |
| Employer contribution / active EE | $2,917 | $3,613-19.3% | $3,022-3.5% | $4,662-37.4% |
| Participant deferral / active EE | $9,136 | $5,733+59.3% | $5,054+80.8% | $6,690+36.6% |
| Admin fee / account holder | $788 | $13,329-94.1% | $9,451-91.7% | $13,400-94.1% |