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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 | $110,117 | $112,729-2.3% | $98,716+11.5% | $137,256-19.8% |
| Participation rate | 84.6% | 74.2%+10.4pp | 69.3%+15.3pp | 80.0%+4.7pp |
| Annual return | 19.63% | 38.48%-18.9pp | 31.81%-12.2pp | 220.34%-200.7pp |
| Employer contribution / active EE | $10,186 | $2,725+273.8% | $2,279+347.0% | $4,156+145.1% |
| Participant deferral / active EE | $5,848 | $4,640+26.0% | $4,048+44.5% | $6,407-8.7% |
| Admin fee / account holder | $3,157 | $10,129-68.8% | $8,703-63.7% | $12,270-74.3% |