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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 | $104,681 | $111,814-6.4% | $103,378+1.3% | $145,978-28.3% |
| Participation rate | 94.7% | 77.9%+16.8pp | 74.5%+20.2pp | 80.3%+14.4pp |
| Annual return | 13.16% | 24.80%-11.6pp | 24.91%-11.8pp | 550.52%-537.4pp |
| Employer contribution / active EE | $9,459 | $4,215+124.4% | $3,870+144.4% | $4,662+102.9% |
| Participant deferral / active EE | $4,821 | $5,618-14.2% | $5,058-4.7% | $6,690-27.9% |
| Admin fee / account holder | $2,176 | $9,764-77.7% | $8,401-74.1% | $13,400-83.8% |