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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 | $130,915 | $110,337+18.7% | $102,383+27.9% | $145,877-10.3% |
| Participation rate | 86.7% | 77.9%+8.7pp | 74.5%+12.2pp | 80.3%+6.4pp |
| Annual return | 16.95% | 24.83%-7.9pp | 24.94%-8.0pp | 551.28%-534.3pp |
| Employer contribution / active EE | $9,384 | $4,216+122.6% | $3,870+142.5% | $4,663+101.2% |
| Participant deferral / active EE | $9,906 | $5,621+76.2% | $5,060+95.8% | $6,691+48.1% |
| Admin fee / account holder | $4,723 | $9,750-51.6% | $8,391-43.7% | $13,402-64.8% |