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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 | $137,858 | $106,247+29.8% | $96,515+42.8% | $139,466-1.2% |
| Participation rate | 83.3% | 77.8%+5.5pp | 74.3%+9.0pp | 80.3%+3.0pp |
| Annual return | 14.72% | 38.47%-23.7pp | 35.73%-21.0pp | 373.66%-358.9pp |
| Employer contribution / active EE | $3,691 | $4,106-10.1% | $3,740-1.3% | $4,754-22.4% |
| Participant deferral / active EE | $5,075 | $5,456-7.0% | $4,880+4.0% | $6,712-24.4% |
| Admin fee / account holder | $52,274 | $7,885+563.0% | $6,735+676.1% | $11,409+358.2% |