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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 | $158,711 | $106,247+49.4% | $96,515+64.4% | $139,466+13.8% |
| Participation rate | 93.8% | 77.8%+15.9pp | 74.3%+19.4pp | 80.3%+13.4pp |
| Annual return | 19.51% | 38.47%-19.0pp | 35.73%-16.2pp | 373.66%-354.2pp |
| Employer contribution / active EE | $3,706 | $4,106-9.7% | $3,740-0.9% | $4,754-22.0% |
| Participant deferral / active EE | $6,412 | $5,456+17.5% | $4,880+31.4% | $6,712-4.5% |
| Admin fee / account holder | $19,317 | $7,885+145.0% | $6,735+186.8% | $11,409+69.3% |