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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 | $87,297 | $86,298+1.2% | $111,308-21.6% | $85,847+1.7% |
| Participation rate | 88.9% | 73.3%+15.6pp | 77.3%+11.6pp | 69.3%+19.6pp |
| Annual return | 15.52% | 19.99%-4.5pp | 54.67%-39.1pp | 318.61%-303.1pp |
| Employer contribution / active EE | $3,023 | $2,044+47.9% | $2,732+10.7% | $2,565+17.8% |
| Participant deferral / active EE | $5,166 | $3,641+41.9% | $4,487+15.1% | $3,952+30.7% |
| Admin fee / account holder | $2,886 | $8,189-64.8% | $7,965-63.8% | $6,261-53.9% |