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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 | $127,122 | $117,846+7.9% | $102,434+24.1% | $145,884-12.9% |
| Participation rate | 70.0% | 78.6%-8.6pp | 76.5%-6.5pp | 80.3%-10.3pp |
| Annual return | 13.04% | 31.90%-18.9pp | 29.46%-16.4pp | 551.85%-538.8pp |
| Employer contribution / active EE | $3,227 | $3,615-10.7% | $3,023+6.7% | $4,662-30.8% |
| Participant deferral / active EE | $7,955 | $5,733+38.7% | $5,055+57.4% | $6,690+18.9% |
| Admin fee / account holder | $523 | $13,356-96.1% | $9,462-94.5% | $13,392-96.1% |