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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 | $100,210 | $126,113-20.5% | $116,096-13.7% | $155,188-35.4% |
| Participation rate | 90.0% | 75.1%+14.9pp | 73.3%+16.7pp | 80.8%+9.2pp |
| Annual return | 10.95% | 391.72%-380.8pp | 326.25%-315.3pp | 148.84%-137.9pp |
| Employer contribution / active EE | $2,257 | $2,672-15.5% | $2,503-9.8% | $4,248-46.9% |
| Participant deferral / active EE | $8,648 | $4,162+107.8% | $3,952+118.8% | $6,531+32.4% |
| Admin fee / account holder | $21,958 | $8,045+172.9% | $7,704+185.0% | $14,480+51.6% |