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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 | $107,018 | $104,664+2.2% | $85,693+24.9% | $167,518-36.1% |
| Participation rate | 94.7% | 76.4%+18.4pp | 69.9%+24.9pp | 82.1%+12.6pp |
| Annual return | 9.18% | 21.45%-12.3pp | 21.49%-12.3pp | 478.71%-469.5pp |
| Employer contribution / active EE | $3,977 | $3,337+19.2% | $2,618+51.9% | $4,838-17.8% |
| Participant deferral / active EE | $6,224 | $4,824+29.0% | $3,923+58.7% | $6,342-1.9% |
| Admin fee / account holder | $12,193 | $10,032+21.5% | $6,874+77.4% | $12,312-1.0% |