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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 | $94,050 | $103,392-9.0% | $87,104+8.0% | $152,897-38.5% |
| Participation rate | 95.2% | 79.4%+15.9pp | 76.9%+18.4pp | 82.5%+12.8pp |
| Annual return | 14.75% | 28.10%-13.4pp | 28.19%-13.4pp | 345.43%-330.7pp |
| Employer contribution / active EE | $3,777 | $3,221+17.3% | $2,521+49.8% | $4,764-20.7% |
| Participant deferral / active EE | $8,727 | $4,778+82.6% | $4,048+115.6% | $5,851+49.2% |
| Admin fee / account holder | $14,797 | $12,194+21.4% | $7,491+97.5% | $11,599+27.6% |