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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 | $158,056 | $110,379+43.2% | $102,412+54.3% | $145,884+8.3% |
| Participation rate | 95.2% | 77.9%+17.3pp | 74.5%+20.7pp | 80.3%+14.9pp |
| Annual return | 11.24% | 24.84%-13.6pp | 24.94%-13.7pp | 551.85%-540.6pp |
| Employer contribution / active EE | $11,282 | $4,216+167.6% | $3,870+191.5% | $4,662+142.0% |
| Participant deferral / active EE | $3,836 | $5,622-31.8% | $5,060-24.2% | $6,690-42.7% |
| Admin fee / account holder | $38,082 | $9,745+290.8% | $8,388+354.0% | $13,392+184.4% |