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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 | $135,542 | $117,846+15.0% | $102,434+32.3% | $145,884-7.1% |
| Participation rate | 89.5% | 78.6%+10.9pp | 76.5%+13.0pp | 80.3%+9.2pp |
| Annual return | 9.41% | 31.90%-22.5pp | 29.46%-20.0pp | 551.85%-542.4pp |
| Employer contribution / active EE | $3,773 | $3,615+4.4% | $3,023+24.8% | $4,662-19.1% |
| Participant deferral / active EE | $12,241 | $5,733+113.5% | $5,055+142.2% | $6,690+83.0% |
| Admin fee / account holder | $31,064 | $13,356+132.6% | $9,462+228.3% | $13,392+132.0% |