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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 | $101,428 | $79,449+27.7% | $189,558-46.5% | $85,856+18.1% |
| Participation rate | 76.7% | 66.0%+10.7pp | 78.5%-1.8pp | 69.3%+7.3pp |
| Annual return | 19.57% | 18.45%+1.1pp | 64.19%-44.6pp | 318.58%-299.0pp |
| Employer contribution / active EE | $2,792 | $2,081+34.2% | $4,412-36.7% | $2,565+8.8% |
| Participant deferral / active EE | $7,135 | $4,051+76.1% | $6,174+15.6% | $3,952+80.5% |
| Admin fee / account holder | $12,618 | $5,377+134.7% | $9,809+28.6% | $6,261+101.6% |