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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 | $121,573 | $106,247+14.4% | $96,515+26.0% | $139,466-12.8% |
| Participation rate | 83.3% | 77.8%+5.5pp | 74.3%+9.0pp | 80.3%+3.0pp |
| Annual return | 15.70% | 38.47%-22.8pp | 35.73%-20.0pp | 373.66%-358.0pp |
| Employer contribution / active EE | $3,263 | $4,106-20.5% | $3,740-12.7% | $4,754-31.4% |
| Participant deferral / active EE | $7,303 | $5,456+33.9% | $4,880+49.7% | $6,712+8.8% |
| Admin fee / account holder | $5,150 | $7,885-34.7% | $6,735-23.5% | $11,409-54.9% |