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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 | $105,821 | $115,917-8.7% | $100,535+5.3% | $158,982-33.4% |
| Participation rate | 94.7% | 81.6%+13.1pp | 79.4%+15.3pp | 82.0%+12.8pp |
| Annual return | 8.80% | 34.80%-26.0pp | 30.90%-22.1pp | 302.99%-294.2pp |
| Employer contribution / active EE | $2,982 | $4,105-27.4% | $3,419-12.8% | $4,763-37.4% |
| Participant deferral / active EE | $7,923 | $6,677+18.7% | $6,271+26.3% | $5,983+32.4% |
| Admin fee / account holder | $4,142 | $11,002-62.4% | $8,085-48.8% | $11,252-63.2% |