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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 | $122,023 | $110,337+10.6% | $102,383+19.2% | $145,877-16.4% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.5%+5.5pp | 80.3%-0.3pp |
| Annual return | 18.53% | 24.83%-6.3pp | 24.94%-6.4pp | 551.28%-532.8pp |
| Employer contribution / active EE | $4,779 | $4,216+13.4% | $3,870+23.5% | $4,663+2.5% |
| Participant deferral / active EE | $12,941 | $5,621+130.2% | $5,060+155.8% | $6,691+93.4% |
| Admin fee / account holder | $1,799 | $9,750-81.5% | $8,391-78.6% | $13,402-86.6% |