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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 | $113,260 | $201,370-43.8% | $184,256-38.5% | $145,897-22.4% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 11.84% | 29.05%-17.2pp | 28.85%-17.0pp | 552.29%-540.4pp |
| Employer contribution / active EE | $4,964 | $7,024-29.3% | $6,427-22.8% | $4,663+6.5% |
| Participant deferral / active EE | $15,254 | $9,808+55.5% | $9,133+67.0% | $6,689+128.0% |
| Admin fee / account holder | $485 | $16,364-97.0% | $13,899-96.5% | $13,390-96.4% |