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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 | $117,230 | $183,592-36.1% | $155,574-24.6% | $145,877-19.6% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 10.61% | 61.37%-50.8pp | 64.87%-54.3pp | 551.28%-540.7pp |
| Employer contribution / active EE | $7,353 | $5,317+38.3% | $4,676+57.3% | $4,663+57.7% |
| Participant deferral / active EE | $13,065 | $6,466+102.1% | $5,629+132.1% | $6,691+95.3% |
| Admin fee / account holder | $4,683 | $19,316-75.8% | $15,914-70.6% | $13,402-65.1% |