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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 | $225,106 | $176,786+27.3% | $146,643+53.5% | $167,536+34.4% |
| Participation rate | 90.9% | 83.6%+7.3pp | 80.1%+10.8pp | 82.1%+8.8pp |
| Annual return | 10.03% | 24.04%-14.0pp | 22.75%-12.7pp | 478.82%-468.8pp |
| Employer contribution / active EE | $5,037 | $5,161-2.4% | $4,137+21.8% | $4,839+4.1% |
| Participant deferral / active EE | $13,835 | $6,440+114.8% | $5,506+151.3% | $6,342+118.1% |
| Admin fee / account holder | $2,787 | $13,262-79.0% | $10,280-72.9% | $12,315-77.4% |