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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 | $101,544 | $98,776+2.8% | $149,745-32.2% | $79,856+27.2% |
| Participation rate | 96.7% | 75.8%+20.9pp | 82.5%+14.2pp | 69.6%+27.0pp |
| Annual return | 12.69% | 27.38%-14.7pp | 276.72%-264.0pp | 31.71%-19.0pp |
| Employer contribution / active EE | $3,570 | $3,217+11.0% | $4,646-23.1% | $2,471+44.5% |
| Participant deferral / active EE | $6,771 | $5,681+19.2% | $6,843-1.1% | $3,741+81.0% |
| Admin fee / account holder | $18,084 | $6,053+198.8% | $9,312+94.2% | $5,306+240.8% |