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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 | $210,698-11.2% | $178,014+5.1% | $145,959+28.1% |
| Participation rate | 93.8% | 80.8%+13.0pp | 77.1%+16.7pp | 80.3%+13.5pp |
| Annual return | 12.06% | 386.27%-374.2pp | 294.80%-282.7pp | 561.95%-549.9pp |
| Employer contribution / active EE | $3,902 | $4,567-14.6% | $3,950-1.2% | $4,661-16.3% |
| Participant deferral / active EE | $11,501 | $6,958+65.3% | $6,276+83.2% | $6,689+71.9% |
| Admin fee / account holder | $15,547 | $12,016+29.4% | $10,362+50.0% | $13,398+16.0% |