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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 | $101,064 | $111,814-9.6% | $103,374-2.2% | $145,959-30.8% |
| Participation rate | 81.8% | 77.9%+3.9pp | 74.5%+7.3pp | 80.3%+1.5pp |
| Annual return | 15.27% | 24.77%-9.5pp | 24.89%-9.6pp | 561.95%-546.7pp |
| Employer contribution / active EE | $3,638 | $4,214-13.7% | $3,869-6.0% | $4,661-22.0% |
| Participant deferral / active EE | $5,077 | $5,618-9.6% | $5,058+0.4% | $6,689-24.1% |
| Admin fee / account holder | $869 | $9,754-91.1% | $8,394-89.6% | $13,398-93.5% |