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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 | $150,794 | $110,379+36.6% | $102,412+47.2% | $145,884+3.4% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.5%+11.2pp | 80.3%+5.4pp |
| Annual return | 10.48% | 24.84%-14.4pp | 24.94%-14.5pp | 551.85%-541.4pp |
| Employer contribution / active EE | $4,109 | $4,216-2.5% | $3,870+6.2% | $4,662-11.9% |
| Participant deferral / active EE | $6,108 | $5,622+8.6% | $5,060+20.7% | $6,690-8.7% |
| Admin fee / account holder | $6,698 | $9,745-31.3% | $8,388-20.1% | $13,392-50.0% |