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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 | $98,233 | $110,240-10.9% | $96,544+1.7% | $139,487-29.6% |
| Participation rate | 92.3% | 78.1%+14.2pp | 76.0%+16.3pp | 80.3%+12.0pp |
| Annual return | 14.10% | 26.41%-12.3pp | 25.88%-11.8pp | 373.84%-359.7pp |
| Employer contribution / active EE | $5,514 | $3,622+52.2% | $2,966+85.9% | $4,755+16.0% |
| Participant deferral / active EE | $4,780 | $5,549-13.9% | $4,851-1.5% | $6,713-28.8% |
| Admin fee / account holder | $699 | $11,602-94.0% | $8,254-91.5% | $11,407-93.9% |