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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 | $174,080 | $111,535+56.1% | $105,223+65.4% | $137,256+26.8% |
| Participation rate | 95.0% | 78.1%+16.9pp | 75.0%+20.0pp | 80.0%+15.0pp |
| Annual return | 14.79% | 237.85%-223.1pp | 180.65%-165.9pp | 220.34%-205.6pp |
| Employer contribution / active EE | $4,284 | $3,939+8.7% | $3,689+16.1% | $4,156+3.1% |
| Participant deferral / active EE | $8,734 | $5,500+58.8% | $5,072+72.2% | $6,407+36.3% |
| Admin fee / account holder | $18,773 | $9,721+93.1% | $8,859+111.9% | $12,270+53.0% |