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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 | $92,903 | $117,895-21.2% | $102,460-9.3% | $145,897-36.3% |
| Participation rate | 94.1% | 78.6%+15.5pp | 76.5%+17.6pp | 80.3%+13.8pp |
| Annual return | 11.39% | 31.92%-20.5pp | 29.47%-18.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $7,516 | $3,619+107.7% | $3,025+148.5% | $4,663+61.2% |
| Participant deferral / active EE | $4,004 | $5,736-30.2% | $5,056-20.8% | $6,689-40.1% |
| Admin fee / account holder | $12,058 | $13,353-9.7% | $9,460+27.5% | $13,390-10.0% |