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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 | $124,635 | $201,370-38.1% | $184,256-32.4% | $145,897-14.6% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 18.26% | 29.05%-10.8pp | 28.85%-10.6pp | 552.29%-534.0pp |
| Employer contribution / active EE | $5,055 | $7,024-28.0% | $6,427-21.4% | $4,663+8.4% |
| Participant deferral / active EE | $11,267 | $9,808+14.9% | $9,133+23.4% | $6,689+68.4% |
| Admin fee / account holder | $3,081 | $16,364-81.2% | $13,899-77.8% | $13,390-77.0% |