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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 | $164,489 | $110,212+49.2% | $96,534+70.4% | $139,466+17.9% |
| Participation rate | 90.0% | 78.1%+11.9pp | 76.0%+14.0pp | 80.3%+9.7pp |
| Annual return | 15.31% | 26.42%-11.1pp | 25.88%-10.6pp | 373.66%-358.4pp |
| Employer contribution / active EE | $2,775 | $3,620-23.3% | $2,965-6.4% | $4,754-41.6% |
| Participant deferral / active EE | $10,132 | $5,547+82.6% | $4,851+108.9% | $6,712+51.0% |
| Admin fee / account holder | $21,002 | $11,599+81.1% | $8,253+154.5% | $11,409+84.1% |