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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 | $96,130 | $78,670+22.2% | $109,173-11.9% | $85,847+12.0% |
| Participation rate | 92.9% | 68.3%+24.6pp | 75.9%+17.0pp | 69.3%+23.5pp |
| Annual return | 40.56% | 25.09%+15.5pp | 25.75%+14.8pp | 318.61%-278.0pp |
| Employer contribution / active EE | $1,708 | $2,734-37.5% | $3,723-54.1% | $2,565-33.4% |
| Participant deferral / active EE | $2,071 | $3,467-40.3% | $4,654-55.5% | $3,952-47.6% |
| Admin fee / account holder | $2,917 | $5,469-46.7% | $6,755-56.8% | $6,261-53.4% |