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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 | $108,538 | $117,895-7.9% | $102,460+5.9% | $145,897-25.6% |
| Participation rate | 72.7% | 78.6%-5.9pp | 76.5%-3.8pp | 80.3%-7.6pp |
| Annual return | 14.30% | 31.92%-17.6pp | 29.47%-15.2pp | 552.29%-538.0pp |
| Employer contribution / active EE | $13,642 | $3,619+277.0% | $3,025+350.9% | $4,663+192.6% |
| Participant deferral / active EE | $31,588 | $5,736+450.7% | $5,056+524.7% | $6,689+372.2% |
| Admin fee / account holder | $12,688 | $13,353-5.0% | $9,460+34.1% | $13,390-5.2% |