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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 | $110,410-8.5% | $102,437-1.3% | $145,897-30.7% |
| Participation rate | 81.8% | 77.9%+3.9pp | 74.5%+7.3pp | 80.3%+1.5pp |
| Annual return | 15.27% | 24.85%-9.6pp | 24.95%-9.7pp | 552.29%-537.0pp |
| Employer contribution / active EE | $3,638 | $4,217-13.7% | $3,871-6.0% | $4,663-22.0% |
| Participant deferral / active EE | $5,077 | $5,622-9.7% | $5,060+0.3% | $6,689-24.1% |
| Admin fee / account holder | $869 | $9,745-91.1% | $8,388-89.6% | $13,390-93.5% |