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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 | $205,428 | $117,859+74.3% | $102,438+100.5% | $145,959+40.7% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 22.41% | 31.72%-9.3pp | 29.37%-7.0pp | 561.95%-539.5pp |
| Employer contribution / active EE | $3,045 | $3,615-15.8% | $3,024+0.7% | $4,661-34.7% |
| Participant deferral / active EE | $11,005 | $5,732+92.0% | $5,054+117.8% | $6,689+64.5% |
| Admin fee / account holder | $1,367 | $13,318-89.7% | $9,448-85.5% | $13,398-89.8% |