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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 | $100,552 | $78,423+28.2% | $95,964+4.8% | $79,856+25.9% |
| Participation rate | 83.7% | 73.5%+10.2pp | 77.1%+6.6pp | 69.6%+14.1pp |
| Annual return | 18.12% | 19.37%-1.3pp | 91.64%-73.5pp | 31.71%-13.6pp |
| Employer contribution / active EE | $3,151 | $1,945+62.0% | $2,541+24.0% | $2,471+27.5% |
| Participant deferral / active EE | $3,923 | $3,440+14.0% | $4,167-5.8% | $3,741+4.9% |
| Admin fee / account holder | $4,186 | $5,622-25.5% | $6,797-38.4% | $5,306-21.1% |