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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 | $80,203 | $78,670+1.9% | $109,173-26.5% | $85,847-6.6% |
| Participation rate | 95.7% | 68.3%+27.5pp | 75.9%+19.9pp | 69.3%+26.4pp |
| Annual return | 14.84% | 25.09%-10.3pp | 25.75%-10.9pp | 318.61%-303.8pp |
| Employer contribution / active EE | $6,074 | $2,734+122.2% | $3,723+63.2% | $2,565+136.8% |
| Participant deferral / active EE | $6,895 | $3,467+98.8% | $4,654+48.2% | $3,952+74.5% |
| Admin fee / account holder | $3,191 | $5,469-41.7% | $6,755-52.8% | $6,261-49.0% |