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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 | $211,239-11.5% | $178,528+4.8% | $145,877+28.2% |
| Participation rate | 93.8% | 80.8%+13.0pp | 77.1%+16.6pp | 80.3%+13.4pp |
| Annual return | 12.06% | 30.22%-18.2pp | 27.11%-15.1pp | 551.28%-539.2pp |
| Employer contribution / active EE | $3,902 | $4,570-14.6% | $3,950-1.2% | $4,663-16.3% |
| Participant deferral / active EE | $11,501 | $6,963+65.2% | $6,278+83.2% | $6,691+71.9% |
| Admin fee / account holder | $15,547 | $12,095+28.5% | $10,419+49.2% | $13,402+16.0% |