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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 | $109,485 | $78,707+39.1% | $117,861-7.1% | $70,126+56.1% |
| Participation rate | 98.5% | 73.2%+25.3pp | 79.7%+18.8pp | 69.5%+28.9pp |
| Annual return | 14.56% | 23.30%-8.7pp | 335.11%-320.5pp | 73.15%-58.6pp |
| Employer contribution / active EE | $2,464 | $2,223+10.8% | $3,786-34.9% | $2,343+5.2% |
| Participant deferral / active EE | $2,823 | $3,297-14.4% | $4,482-37.0% | $3,332-15.3% |
| Admin fee / account holder | $8,426 | $5,066+66.3% | $8,021+5.1% | $4,645+81.4% |