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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 | $133,303 | $111,814+19.2% | $103,374+29.0% | $145,959-8.7% |
| Participation rate | 88.9% | 77.9%+11.0pp | 74.5%+14.4pp | 80.3%+8.6pp |
| Annual return | 12.10% | 24.77%-12.7pp | 24.89%-12.8pp | 561.95%-549.9pp |
| Employer contribution / active EE | $2,119 | $4,214-49.7% | $3,869-45.2% | $4,661-54.5% |
| Participant deferral / active EE | $7,820 | $5,618+39.2% | $5,058+54.6% | $6,689+16.9% |
| Admin fee / account holder | $10,748 | $9,754+10.2% | $8,394+28.0% | $13,398-19.8% |