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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 | $109,669 | $124,330-11.8% | $109,173+0.5% | $167,536-34.5% |
| Participation rate | 86.7% | 79.5%+7.2pp | 75.9%+10.8pp | 82.1%+4.6pp |
| Annual return | 16.85% | 26.04%-9.2pp | 25.75%-8.9pp | 478.82%-462.0pp |
| Employer contribution / active EE | $16,752 | $4,209+298.0% | $3,723+350.0% | $4,839+246.2% |
| Participant deferral / active EE | $2,534 | $5,256-51.8% | $4,654-45.6% | $6,342-60.0% |
| Admin fee / account holder | $7,965 | $7,974-0.1% | $6,755+17.9% | $12,315-35.3% |