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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 | $124,661 | $124,298+0.3% | $109,152+14.2% | $167,497-25.6% |
| Participation rate | 95.5% | 79.4%+16.0pp | 75.9%+19.6pp | 82.1%+13.3pp |
| Annual return | 10.31% | 26.04%-15.7pp | 25.75%-15.4pp | 478.62%-468.3pp |
| Employer contribution / active EE | $5,793 | $4,208+37.7% | $3,722+55.6% | $4,838+19.7% |
| Participant deferral / active EE | $9,258 | $5,256+76.1% | $4,653+98.9% | $6,341+46.0% |
| Admin fee / account holder | $2,534 | $7,971-68.2% | $6,753-62.5% | $12,310-79.4% |