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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 | $187,023 | $211,224-11.5% | $178,505+4.8% | $145,897+28.2% |
| Participation rate | 93.8% | 80.8%+12.9pp | 77.1%+16.6pp | 80.3%+13.4pp |
| Annual return | 12.06% | 30.28%-18.2pp | 27.16%-15.1pp | 552.29%-540.2pp |
| Employer contribution / active EE | $3,902 | $4,577-14.7% | $3,955-1.3% | $4,663-16.3% |
| Participant deferral / active EE | $11,501 | $6,966+65.1% | $6,280+83.1% | $6,689+71.9% |
| Admin fee / account holder | $15,547 | $12,109+28.4% | $10,428+49.1% | $13,390+16.1% |