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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 | $114,278 | $124,336-8.1% | $111,303+2.7% | $167,518-31.8% |
| Participation rate | 84.6% | 79.6%+5.0pp | 77.3%+7.3pp | 82.1%+2.5pp |
| Annual return | 14.39% | 37.45%-23.1pp | 54.66%-40.3pp | 478.71%-464.3pp |
| Employer contribution / active EE | $3,990 | $3,436+16.1% | $2,731+46.1% | $4,838-17.5% |
| Participant deferral / active EE | $10,457 | $5,181+101.8% | $4,487+133.0% | $6,342+64.9% |
| Admin fee / account holder | $13,496 | $10,623+27.0% | $7,966+69.4% | $12,312+9.6% |