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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 | $128,442 | $110,212+16.5% | $96,534+33.1% | $139,466-7.9% |
| Participation rate | 88.9% | 78.1%+10.8pp | 76.0%+12.9pp | 80.3%+8.6pp |
| Annual return | 12.79% | 26.42%-13.6pp | 25.88%-13.1pp | 373.66%-360.9pp |
| Employer contribution / active EE | $6,924 | $3,620+91.3% | $2,965+133.5% | $4,754+45.6% |
| Participant deferral / active EE | $4,226 | $5,547-23.8% | $4,851-12.9% | $6,712-37.0% |
| Admin fee / account holder | $1,711 | $11,599-85.3% | $8,253-79.3% | $11,409-85.0% |