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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 | $108,737 | $110,240-1.4% | $96,544+12.6% | $139,487-22.0% |
| Participation rate | 95.2% | 78.1%+17.1pp | 76.0%+19.3pp | 80.3%+14.9pp |
| Annual return | 12.02% | 26.41%-14.4pp | 25.88%-13.9pp | 373.84%-361.8pp |
| Employer contribution / active EE | $3,769 | $3,622+4.0% | $2,966+27.0% | $4,755-20.7% |
| Participant deferral / active EE | $4,075 | $5,549-26.6% | $4,851-16.0% | $6,713-39.3% |
| Admin fee / account holder | $683 | $11,602-94.1% | $8,254-91.7% | $11,407-94.0% |