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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 | $92,214 | $61,125+50.9% | $94,057-2.0% | $87,485+5.4% |
| Participation rate | 74.5% | 64.1%+10.4pp | 73.3%+1.2pp | 68.9%+5.6pp |
| Annual return | 15.76% | 35.20%-19.4pp | 480.62%-464.9pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,724 | $2,136-19.3% | $2,933-41.2% | $2,596-33.6% |
| Participant deferral / active EE | $3,887 | $3,260+19.2% | $4,709-17.5% | $4,274-9.0% |
| Admin fee / account holder | $11,032 | $5,629+96.0% | $7,244+52.3% | $7,775+41.9% |