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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 | $107,536 | $227,291-52.7% | $214,702-49.9% | $155,188-30.7% |
| Participation rate | 90.0% | 88.0%+2.0pp | 87.5%+2.5pp | 80.8%+9.2pp |
| Annual return | 25.54% | 60.08%-34.5pp | 54.55%-29.0pp | 148.84%-123.3pp |
| Employer contribution / active EE | $4,069 | $6,772-39.9% | $6,461-37.0% | $4,248-4.2% |
| Participant deferral / active EE | $10,673 | $9,582+11.4% | $9,147+16.7% | $6,531+63.4% |
| Admin fee / account holder | $3,232 | $20,413-84.2% | $19,830-83.7% | $14,480-77.7% |