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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 | $68,248 | $58,848+16.0% | $88,179-22.6% | $82,637-17.4% |
| Participation rate | 91.4% | 57.9%+33.5pp | 69.1%+22.3pp | 68.1%+23.4pp |
| Annual return | 14.23% | 22.76%-8.5pp | 64.97%-50.7pp | 53.51%-39.3pp |
| Employer contribution / active EE | $3,923 | $1,678+133.7% | $2,549+53.9% | $2,552+53.7% |
| Participant deferral / active EE | $3,726 | $3,124+19.3% | $4,614-19.2% | $4,126-9.7% |
| Admin fee / account holder | $11,387 | $4,795+137.5% | $7,673+48.4% | $7,339+55.2% |