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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 | $132,069 | $110,379+19.7% | $102,412+29.0% | $145,884-9.5% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.5%+11.2pp | 80.3%+5.4pp |
| Annual return | 11.88% | 24.84%-13.0pp | 24.94%-13.1pp | 551.85%-540.0pp |
| Employer contribution / active EE | $4,490 | $4,216+6.5% | $3,870+16.0% | $4,662-3.7% |
| Participant deferral / active EE | $12,234 | $5,622+117.6% | $5,060+141.8% | $6,690+82.9% |
| Admin fee / account holder | $5,843 | $9,745-40.0% | $8,388-30.3% | $13,392-56.4% |