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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 | $82,564 | $89,259-7.5% | $107,187-23.0% | $82,637-0.1% |
| Participation rate | 93.5% | 67.9%+25.6pp | 75.0%+18.5pp | 68.1%+25.5pp |
| Annual return | 16.97% | 21.02%-4.1pp | 204.55%-187.6pp | 53.51%-36.5pp |
| Employer contribution / active EE | $3,903 | $3,080+26.7% | $3,782+3.2% | $2,552+52.9% |
| Participant deferral / active EE | $8,335 | $4,037+106.5% | $5,096+63.6% | $4,126+102.0% |
| Admin fee / account holder | $10,778 | $7,381+46.0% | $9,162+17.6% | $7,339+46.9% |