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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 | $108,014 | $93,345+15.7% | $119,126-9.3% | $87,485+23.5% |
| Participation rate | 75.0% | 68.7%+6.3pp | 75.8%-0.8pp | 68.9%+6.1pp |
| Annual return | 14.23% | 19.08%-4.9pp | 282.11%-267.9pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,827 | $3,172-42.4% | $4,034-54.7% | $2,596-29.6% |
| Participant deferral / active EE | $5,195 | $4,099+26.7% | $5,318-2.3% | $4,274+21.6% |
| Admin fee / account holder | $8,447 | $8,039+5.1% | $10,693-21.0% | $7,775+8.6% |