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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 | $84,224 | $201,264-58.2% | $184,185-54.3% | $145,978-42.3% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 10.91% | 29.00%-18.1pp | 28.81%-17.9pp | 550.52%-539.6pp |
| Employer contribution / active EE | $6,836 | $7,021-2.6% | $6,426+6.4% | $4,662+46.6% |
| Participant deferral / active EE | $15,254 | $9,806+55.6% | $9,132+67.0% | $6,690+128.0% |
| Admin fee / account holder | $372 | $16,376-97.7% | $13,909-97.3% | $13,400-97.2% |