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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 | $129,744 | $127,387+1.9% | $115,038+12.8% | $125,389+3.5% |
| Participation rate | 87.5% | 84.2%+3.3pp | 81.4%+6.1pp | 83.2%+4.3pp |
| Annual return | 1.22% | 31.28%-30.1pp | 26.14%-24.9pp | 282.24%-281.0pp |
| Employer contribution / active EE | $10,997 | $5,166+112.9% | $4,608+138.6% | $4,866+126.0% |
| Participant deferral / active EE | $6,657 | $6,423+3.6% | $6,026+10.5% | $5,352+24.4% |
| Admin fee / account holder | $8,861 | $9,516-6.9% | $8,175+8.4% | $9,541-7.1% |