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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 | $114,484 | $117,904-2.9% | $102,457+11.7% | $145,978-21.6% |
| Participation rate | 89.5% | 78.6%+10.9pp | 76.5%+13.0pp | 80.3%+9.2pp |
| Annual return | 17.74% | 31.80%-14.1pp | 29.41%-11.7pp | 550.52%-532.8pp |
| Employer contribution / active EE | $5,092 | $3,613+40.9% | $3,022+68.5% | $4,662+9.2% |
| Participant deferral / active EE | $9,430 | $5,733+64.5% | $5,054+86.6% | $6,690+41.0% |
| Admin fee / account holder | $2,617 | $13,329-80.4% | $9,451-72.3% | $13,400-80.5% |