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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 | $140,674 | $228,395-38.4% | $185,861-24.3% | $158,982-11.5% |
| Participation rate | 85.7% | 82.3%+3.4pp | 78.0%+7.7pp | 82.0%+3.7pp |
| Annual return | 20.12% | 40.82%-20.7pp | 35.96%-15.8pp | 302.99%-282.9pp |
| Employer contribution / active EE | $10,846 | $4,968+118.3% | $4,088+165.3% | $4,763+127.7% |
| Participant deferral / active EE | $10,079 | $6,417+57.1% | $5,634+78.9% | $5,983+68.4% |
| Admin fee / account holder | $456 | $11,869-96.2% | $9,503-95.2% | $11,252-95.9% |