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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 | $122,588 | $135,956-9.8% | $123,894-1.1% | $273,972-55.3% |
| Participation rate | 91.7% | 84.1%+7.6pp | 81.4%+10.3pp | 83.0%+8.7pp |
| Annual return | 6.30% | 56.63%-50.3pp | 47.52%-41.2pp | 41.46%-35.2pp |
| Employer contribution / active EE | $10,785 | $5,170+108.6% | $4,617+133.6% | $4,869+121.5% |
| Participant deferral / active EE | $13,406 | $6,343+111.4% | $5,984+124.0% | $5,287+153.5% |
| Admin fee / account holder | $3,125 | $9,817-68.2% | $8,357-62.6% | $10,133-69.2% |