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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 | $112,365 | $114,119-1.5% | $107,187+4.8% | $138,895-19.1% |
| Participation rate | 92.3% | 78.1%+14.2pp | 75.0%+17.3pp | 79.9%+12.4pp |
| Annual return | 13.84% | 273.21%-259.4pp | 204.55%-190.7pp | 145.39%-131.6pp |
| Employer contribution / active EE | $2,903 | $4,059-28.5% | $3,782-23.3% | $4,194-30.8% |
| Participant deferral / active EE | $5,900 | $5,538+6.5% | $5,096+15.8% | $6,396-7.8% |
| Admin fee / account holder | $14,146 | $10,024+41.1% | $9,162+54.4% | $12,562+12.6% |