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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 | $159,655 | $98,760+61.7% | $149,715+6.6% | $79,858+99.9% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.5%+5.0pp | 69.6%+17.9pp |
| Annual return | 17.98% | 27.43%-9.4pp | 276.66%-258.7pp | 31.72%-13.7pp |
| Employer contribution / active EE | $3,982 | $3,217+23.8% | $4,645-14.3% | $2,471+61.2% |
| Participant deferral / active EE | $9,576 | $5,681+68.6% | $6,842+40.0% | $3,740+156.0% |
| Admin fee / account holder | $3,550 | $6,053-41.4% | $9,310-61.9% | $5,306-33.1% |