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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 | $134,370 | $124,351+8.1% | $109,188+23.1% | $167,553-19.8% |
| Participation rate | 90.5% | 79.4%+11.0pp | 75.9%+14.6pp | 82.1%+8.4pp |
| Annual return | 15.20% | 26.04%-10.8pp | 25.76%-10.6pp | 478.89%-463.7pp |
| Employer contribution / active EE | $3,862 | $4,210-8.2% | $3,723+3.7% | $4,840-20.2% |
| Participant deferral / active EE | $5,384 | $5,257+2.4% | $4,654+15.7% | $6,343-15.1% |
| Admin fee / account holder | $10,933 | $7,975+37.1% | $6,755+61.8% | $12,316-11.2% |