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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 | $135,304 | $105,210+28.6% | $159,487-15.2% | $85,851+57.6% |
| Participation rate | 92.6% | 75.8%+16.8pp | 82.8%+9.8pp | 69.3%+23.3pp |
| Annual return | 16.76% | 45.08%-28.3pp | 263.71%-246.9pp | 318.63%-301.9pp |
| Employer contribution / active EE | $3,591 | $3,319+8.2% | $4,831-25.7% | $2,565+40.0% |
| Participant deferral / active EE | $5,537 | $5,946-6.9% | $7,354-24.7% | $3,952+40.1% |
| Admin fee / account holder | $11,441 | $6,934+65.0% | $10,804+5.9% | $6,261+82.7% |