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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 | $134,198 | $117,846+13.9% | $102,434+31.0% | $145,884-8.0% |
| Participation rate | 94.7% | 78.6%+16.1pp | 76.5%+18.2pp | 80.3%+14.4pp |
| Annual return | 10.84% | 31.90%-21.1pp | 29.46%-18.6pp | 551.85%-541.0pp |
| Employer contribution / active EE | $5,037 | $3,615+39.3% | $3,023+66.6% | $4,662+8.0% |
| Participant deferral / active EE | $4,844 | $5,733-15.5% | $5,055-4.2% | $6,690-27.6% |
| Admin fee / account holder | $1,296 | $13,356-90.3% | $9,462-86.3% | $13,392-90.3% |