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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 | $94,516 | $99,652-5.2% | $78,778+20.0% | $147,586-36.0% |
| Participation rate | 87.5% | 76.2%+11.3pp | 69.2%+18.3pp | 82.8%+4.7pp |
| Annual return | 17.95% | 47.28%-29.3pp | 35.62%-17.7pp | 578.59%-560.6pp |
| Employer contribution / active EE | $1,373 | $2,796-50.9% | $1,986-30.9% | $4,876-71.8% |
| Participant deferral / active EE | $3,819 | $3,664+4.3% | $2,958+29.1% | $5,439-29.8% |
| Admin fee / account holder | $11,792 | $7,155+64.8% | $5,134+129.7% | $10,886+8.3% |