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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 | $130,136 | $201,370-35.4% | $184,256-29.4% | $145,897-10.8% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 11.64% | 29.05%-17.4pp | 28.85%-17.2pp | 552.29%-540.6pp |
| Employer contribution / active EE | $3,865 | $7,024-45.0% | $6,427-39.9% | $4,663-17.1% |
| Participant deferral / active EE | $10,318 | $9,808+5.2% | $9,133+13.0% | $6,689+54.2% |
| Admin fee / account holder | $47,831 | $16,364+192.3% | $13,899+244.1% | $13,390+257.2% |