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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 | $100,815 | $110,240-8.5% | $96,544+4.4% | $139,487-27.7% |
| Participation rate | 86.7% | 78.1%+8.5pp | 76.0%+10.7pp | 80.3%+6.3pp |
| Annual return | 13.73% | 26.41%-12.7pp | 25.88%-12.2pp | 373.84%-360.1pp |
| Employer contribution / active EE | $4,616 | $3,622+27.4% | $2,966+55.6% | $4,755-2.9% |
| Participant deferral / active EE | $10,971 | $5,549+97.7% | $4,851+126.1% | $6,713+63.4% |
| Admin fee / account holder | $2,778 | $11,602-76.1% | $8,254-66.4% | $11,407-75.7% |