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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 | $95,443 | $86,288+10.6% | $111,306-14.3% | $85,851+11.2% |
| Participation rate | 80.8% | 73.3%+7.4pp | 77.3%+3.4pp | 69.3%+11.4pp |
| Annual return | 13.00% | 19.99%-7.0pp | 54.67%-41.7pp | 318.63%-305.6pp |
| Employer contribution / active EE | $3,291 | $2,044+61.1% | $2,732+20.5% | $2,565+28.3% |
| Participant deferral / active EE | $5,223 | $3,641+43.5% | $4,488+16.4% | $3,952+32.2% |
| Admin fee / account holder | $4,064 | $8,189-50.4% | $7,966-49.0% | $6,261-35.1% |