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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 | $91,296 | $103,392-11.7% | $87,104+4.8% | $152,897-40.3% |
| Participation rate | 76.2% | 79.4%-3.2pp | 76.9%-0.7pp | 82.5%-6.3pp |
| Annual return | 19.26% | 28.10%-8.8pp | 28.19%-8.9pp | 345.43%-326.2pp |
| Employer contribution / active EE | $2,267 | $3,221-29.6% | $2,521-10.1% | $4,764-52.4% |
| Participant deferral / active EE | $4,973 | $4,778+4.1% | $4,048+22.8% | $5,851-15.0% |
| Admin fee / account holder | $2,676 | $12,194-78.1% | $7,491-64.3% | $11,599-76.9% |