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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 | $145,515 | $162,812-10.6% | $133,971+8.6% | $158,966-8.5% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 10.42% | 41.94%-31.5pp | 45.09%-34.7pp | 302.95%-292.5pp |
| Employer contribution / active EE | $4,659 | $4,976-6.4% | $3,919+18.9% | $4,762-2.2% |
| Participant deferral / active EE | $11,297 | $5,910+91.1% | $5,047+123.8% | $5,983+88.8% |
| Admin fee / account holder | $863 | $11,741-92.6% | $8,929-90.3% | $11,250-92.3% |