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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 | $122,128 | $124,330-1.8% | $109,173+11.9% | $167,536-27.1% |
| Participation rate | 87.0% | 79.5%+7.5pp | 75.9%+11.1pp | 82.1%+4.8pp |
| Annual return | 10.42% | 26.04%-15.6pp | 25.75%-15.3pp | 478.82%-468.4pp |
| Employer contribution / active EE | $5,976 | $4,209+42.0% | $3,723+60.5% | $4,839+23.5% |
| Participant deferral / active EE | $3,508 | $5,256-33.3% | $4,654-24.6% | $6,342-44.7% |
| Admin fee / account holder | $16,100 | $7,974+101.9% | $6,755+138.3% | $12,315+30.7% |