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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 | $101,379 | $86,298+17.5% | $111,308-8.9% | $85,847+18.1% |
| Participation rate | 75.5% | 73.3%+2.2pp | 77.3%-1.8pp | 69.3%+6.2pp |
| Annual return | 16.58% | 19.99%-3.4pp | 54.67%-38.1pp | 318.61%-302.0pp |
| Employer contribution / active EE | $3,308 | $2,044+61.9% | $2,732+21.1% | $2,565+28.9% |
| Participant deferral / active EE | $4,182 | $3,641+14.9% | $4,487-6.8% | $3,952+5.8% |
| Admin fee / account holder | $21,039 | $8,189+156.9% | $7,965+164.1% | $6,261+236.1% |