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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 | $60,916 | $58,848+3.5% | $88,179-30.9% | $82,637-26.3% |
| Participation rate | 91.7% | 57.9%+33.8pp | 69.1%+22.5pp | 68.1%+23.6pp |
| Annual return | 15.56% | 22.76%-7.2pp | 64.97%-49.4pp | 53.51%-37.9pp |
| Employer contribution / active EE | $3,010 | $1,678+79.3% | $2,549+18.1% | $2,552+17.9% |
| Participant deferral / active EE | $4,748 | $3,124+52.0% | $4,614+2.9% | $4,126+15.1% |
| Admin fee / account holder | $11,682 | $4,795+143.6% | $7,673+52.2% | $7,339+59.2% |