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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 | $137,407 | $110,240+24.6% | $96,544+42.3% | $139,487-1.5% |
| Participation rate | 86.7% | 78.1%+8.5pp | 76.0%+10.7pp | 80.3%+6.3pp |
| Annual return | 15.26% | 26.41%-11.1pp | 25.88%-10.6pp | 373.84%-358.6pp |
| Employer contribution / active EE | $3,878 | $3,622+7.1% | $2,966+30.7% | $4,755-18.4% |
| Participant deferral / active EE | $9,280 | $5,549+67.2% | $4,851+91.3% | $6,713+38.3% |
| Admin fee / account holder | $10,480 | $11,602-9.7% | $8,254+27.0% | $11,407-8.1% |