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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 | $120,420 | $110,379+9.1% | $102,412+17.6% | $145,884-17.5% |
| Participation rate | 91.7% | 77.9%+13.7pp | 74.5%+17.2pp | 80.3%+11.4pp |
| Annual return | 12.98% | 24.84%-11.9pp | 24.94%-12.0pp | 551.85%-538.9pp |
| Employer contribution / active EE | $3,296 | $4,216-21.8% | $3,870-14.8% | $4,662-29.3% |
| Participant deferral / active EE | $4,388 | $5,622-22.0% | $5,060-13.3% | $6,690-34.4% |
| Admin fee / account holder | $956 | $9,745-90.2% | $8,388-88.6% | $13,392-92.9% |