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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 | $112,290 | $105,200+6.7% | $159,474-29.6% | $85,847+30.8% |
| Participation rate | 97.2% | 75.8%+21.4pp | 82.8%+14.4pp | 69.3%+27.9pp |
| Annual return | 15.95% | 45.08%-29.1pp | 263.68%-247.7pp | 318.61%-302.7pp |
| Employer contribution / active EE | $3,417 | $3,319+3.0% | $4,831-29.3% | $2,565+33.2% |
| Participant deferral / active EE | $9,098 | $5,946+53.0% | $7,353+23.7% | $3,952+130.2% |
| Admin fee / account holder | $1,384 | $6,934-80.0% | $10,802-87.2% | $6,261-77.9% |