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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 | $105,071 | $95,406+10.1% | $185,849-43.5% | $85,847+22.4% |
| Participation rate | 88.6% | 68.8%+19.8pp | 81.7%+6.9pp | 69.3%+19.3pp |
| Annual return | 15.65% | 23.59%-7.9pp | 122.10%-106.4pp | 318.61%-303.0pp |
| Employer contribution / active EE | $4,286 | $3,314+29.3% | $5,169-17.1% | $2,565+67.1% |
| Participant deferral / active EE | $5,948 | $3,424+73.7% | $5,569+6.8% | $3,952+50.5% |
| Admin fee / account holder | $808 | $7,214-88.8% | $16,244-95.0% | $6,261-87.1% |