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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 | $100,534 | $110,379-8.9% | $102,412-1.8% | $145,884-31.1% |
| Participation rate | 92.3% | 77.9%+14.4pp | 74.5%+17.8pp | 80.3%+12.0pp |
| Annual return | 13.33% | 24.84%-11.5pp | 24.94%-11.6pp | 551.85%-538.5pp |
| Employer contribution / active EE | $2,950 | $4,216-30.0% | $3,870-23.8% | $4,662-36.7% |
| Participant deferral / active EE | $11,792 | $5,622+109.8% | $5,060+133.0% | $6,690+76.3% |
| Admin fee / account holder | $5,644 | $9,745-42.1% | $8,388-32.7% | $13,392-57.9% |