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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 | $119,715 | $117,846+1.6% | $102,434+16.9% | $145,884-17.9% |
| Participation rate | 91.7% | 78.6%+13.0pp | 76.5%+15.2pp | 80.3%+11.4pp |
| Annual return | 9.48% | 31.90%-22.4pp | 29.46%-20.0pp | 551.85%-542.4pp |
| Employer contribution / active EE | $11,550 | $3,615+219.5% | $3,023+282.0% | $4,662+147.7% |
| Participant deferral / active EE | $5,591 | $5,733-2.5% | $5,055+10.6% | $6,690-16.4% |
| Admin fee / account holder | $3,896 | $13,356-70.8% | $9,462-58.8% | $13,392-70.9% |