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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 | $115,471 | $114,013+1.3% | $103,693+11.4% | $155,188-25.6% |
| Participation rate | 71.4% | 75.2%-3.8pp | 72.6%-1.2pp | 80.8%-9.4pp |
| Annual return | 14.68% | 49.31%-34.6pp | 47.61%-32.9pp | 148.84%-134.2pp |
| Employer contribution / active EE | $1,386 | $3,131-55.7% | $2,920-52.5% | $4,248-67.4% |
| Participant deferral / active EE | $1,622 | $4,970-67.4% | $4,579-64.6% | $6,531-75.2% |
| Admin fee / account holder | $2,979 | $8,407-64.6% | $7,858-62.1% | $14,480-79.4% |