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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 | $135,520 | $100,279+35.1% | $81,353+66.6% | $145,884-7.1% |
| Participation rate | 81.8% | 74.3%+7.6pp | 69.5%+12.3pp | 80.3%+1.5pp |
| Annual return | 9.79% | 34.49%-24.7pp | 24.82%-15.0pp | 551.85%-542.1pp |
| Employer contribution / active EE | $2,342 | $2,979-21.4% | $2,464-4.9% | $4,662-49.8% |
| Participant deferral / active EE | $7,636 | $4,611+65.6% | $3,885+96.6% | $6,690+14.1% |
| Admin fee / account holder | $3,928 | $8,206-52.1% | $5,766-31.9% | $13,392-70.7% |