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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 | $112,342 | $115,917-3.1% | $100,535+11.7% | $158,982-29.3% |
| Participation rate | 91.3% | 81.6%+9.7pp | 79.4%+11.9pp | 82.0%+9.3pp |
| Annual return | 17.88% | 34.80%-16.9pp | 30.90%-13.0pp | 302.99%-285.1pp |
| Employer contribution / active EE | $3,121 | $4,105-24.0% | $3,419-8.7% | $4,763-34.5% |
| Participant deferral / active EE | $9,367 | $6,677+40.3% | $6,271+49.4% | $5,983+56.5% |
| Admin fee / account holder | $478 | $11,002-95.7% | $8,085-94.1% | $11,252-95.7% |