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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 | $108,719 | $98,766+10.1% | $149,730-27.4% | $79,852+36.2% |
| Participation rate | 94.3% | 75.8%+18.5pp | 82.5%+11.8pp | 69.6%+24.6pp |
| Annual return | 16.51% | 27.43%-10.9pp | 276.70%-260.2pp | 31.72%-15.2pp |
| Employer contribution / active EE | $3,588 | $3,217+11.5% | $4,645-22.8% | $2,471+45.2% |
| Participant deferral / active EE | $7,427 | $5,681+30.7% | $6,843+8.5% | $3,740+98.6% |
| Admin fee / account holder | $3,870 | $6,052-36.1% | $9,310-58.4% | $5,306-27.1% |