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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 | $132,288 | $103,393+27.9% | $87,103+51.9% | $152,909-13.5% |
| Participation rate | 88.2% | 79.4%+8.9pp | 76.9%+11.4pp | 82.5%+5.8pp |
| Annual return | 19.89% | 28.10%-8.2pp | 28.19%-8.3pp | 345.46%-325.6pp |
| Employer contribution / active EE | $3,680 | $3,221+14.2% | $2,521+45.9% | $4,764-22.8% |
| Participant deferral / active EE | $3,791 | $4,778-20.7% | $4,049-6.4% | $5,851-35.2% |
| Admin fee / account holder | $1,104 | $12,195-90.9% | $7,491-85.3% | $11,601-90.5% |