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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 | $99,444 | $117,904-15.7% | $102,457-2.9% | $145,978-31.9% |
| Participation rate | 94.1% | 78.6%+15.5pp | 76.5%+17.6pp | 80.3%+13.8pp |
| Annual return | 13.91% | 31.80%-17.9pp | 29.41%-15.5pp | 550.52%-536.6pp |
| Employer contribution / active EE | $8,838 | $3,613+144.6% | $3,022+192.4% | $4,662+89.6% |
| Participant deferral / active EE | $5,614 | $5,733-2.1% | $5,054+11.1% | $6,690-16.1% |
| Admin fee / account holder | $1,742 | $13,329-86.9% | $9,451-81.6% | $13,400-87.0% |