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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 | $115,484 | $104,251+10.8% | $91,004+26.9% | $147,586-21.8% |
| Participation rate | 71.4% | 78.2%-6.8pp | 75.6%-4.2pp | 82.8%-11.4pp |
| Annual return | 15.73% | 27.06%-11.3pp | 4.60%+11.1pp | 578.59%-562.9pp |
| Employer contribution / active EE | $4,384 | $3,116+40.7% | $2,456+78.5% | $4,876-10.1% |
| Participant deferral / active EE | $5,035 | $4,195+20.0% | $3,548+41.9% | $5,439-7.4% |
| Admin fee / account holder | $1,233 | $8,948-86.2% | $5,417-77.2% | $10,886-88.7% |