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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 | $129,066 | $117,859+9.5% | $102,438+26.0% | $145,959-11.6% |
| Participation rate | 86.7% | 78.6%+8.1pp | 76.5%+10.2pp | 80.3%+6.4pp |
| Annual return | 21.44% | 31.72%-10.3pp | 29.37%-7.9pp | 561.95%-540.5pp |
| Employer contribution / active EE | $2,561 | $3,615-29.2% | $3,024-15.3% | $4,661-45.1% |
| Participant deferral / active EE | $10,649 | $5,732+85.8% | $5,054+110.7% | $6,689+59.2% |
| Admin fee / account holder | $7,929 | $13,318-40.5% | $9,448-16.1% | $13,398-40.8% |