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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 | $144,271 | $110,379+30.7% | $102,412+40.9% | $145,884-1.1% |
| Participation rate | 94.1% | 77.9%+16.2pp | 74.5%+19.6pp | 80.3%+13.8pp |
| Annual return | 10.60% | 24.84%-14.2pp | 24.94%-14.3pp | 551.85%-541.2pp |
| Employer contribution / active EE | $6,802 | $4,216+61.3% | $3,870+75.8% | $4,662+45.9% |
| Participant deferral / active EE | $4,041 | $5,622-28.1% | $5,060-20.1% | $6,690-39.6% |
| Admin fee / account holder | $3,229 | $9,745-66.9% | $8,388-61.5% | $13,392-75.9% |