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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 | $106,898 | $105,960+0.9% | $81,726+30.8% | $158,982-32.8% |
| Participation rate | 88.9% | 75.6%+13.3pp | 72.0%+16.9pp | 82.0%+6.9pp |
| Annual return | 17.28% | 38.19%-20.9pp | 29.49%-12.2pp | 302.99%-285.7pp |
| Employer contribution / active EE | $4,505 | $7,805-42.3% | $4,311+4.5% | $4,763-5.4% |
| Participant deferral / active EE | $6,218 | $13,011-52.2% | $7,108-12.5% | $5,983+3.9% |
| Admin fee / account holder | $808 | $8,494-90.5% | $5,160-84.4% | $11,252-92.8% |