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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 | $103,979 | $100,060+3.9% | $149,721-30.6% | $70,126+48.3% |
| Participation rate | 77.4% | 83.6%-6.2pp | 87.1%-9.6pp | 69.5%+7.9pp |
| Annual return | 16.59% | 27.46%-10.9pp | 1501.67%-1485.1pp | 73.15%-56.6pp |
| Employer contribution / active EE | $2,905 | $3,661-20.6% | $5,444-46.6% | $2,343+24.0% |
| Participant deferral / active EE | $5,174 | $4,982+3.9% | $6,568-21.2% | $3,332+55.3% |
| Admin fee / account holder | $4,684 | $8,285-43.5% | $11,282-58.5% | $4,645+0.8% |