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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 | $103,208 | $113,338-8.9% | $94,993+8.6% | $147,586-30.1% |
| Participation rate | 95.8% | 78.0%+17.9pp | 73.9%+21.9pp | 82.8%+13.0pp |
| Annual return | 16.82% | 20.80%-4.0pp | 27.14%-10.3pp | 578.59%-561.8pp |
| Employer contribution / active EE | $4,456 | $3,160+41.0% | $2,603+71.2% | $4,876-8.6% |
| Participant deferral / active EE | $7,466 | $3,777+97.7% | $3,317+125.1% | $5,439+37.3% |
| Admin fee / account holder | $331 | $6,063-94.5% | $4,960-93.3% | $10,886-97.0% |