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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 | $118,834 | $86,298+37.7% | $111,308+6.8% | $85,847+38.4% |
| Participation rate | 75.0% | 73.3%+1.7pp | 77.3%-2.3pp | 69.3%+5.7pp |
| Annual return | 11.82% | 19.99%-8.2pp | 54.67%-42.8pp | 318.61%-306.8pp |
| Employer contribution / active EE | $1,975 | $2,044-3.4% | $2,732-27.7% | $2,565-23.0% |
| Participant deferral / active EE | $4,043 | $3,641+11.0% | $4,487-9.9% | $3,952+2.3% |
| Admin fee / account holder | $13,012 | $8,189+58.9% | $7,965+63.4% | $6,261+107.8% |