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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 | $100,116 | $88,672+12.9% | $105,223-4.9% | $82,448+21.4% |
| Participation rate | 74.5% | 67.9%+6.6pp | 75.0%-0.5pp | 68.1%+6.5pp |
| Annual return | 14.93% | 30.86%-15.9pp | 180.65%-165.7pp | 41.64%-26.7pp |
| Employer contribution / active EE | $3,640 | $3,048+19.4% | $3,689-1.3% | $2,551+42.7% |
| Participant deferral / active EE | $5,143 | $4,036+27.4% | $5,072+1.4% | $4,139+24.2% |
| Admin fee / account holder | $600 | $7,146-91.6% | $8,859-93.2% | $7,234-91.7% |