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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 | $106,728 | $62,592+70.5% | $85,693+24.5% | $85,856+24.3% |
| Participation rate | 97.1% | 61.1%+35.9pp | 69.9%+27.2pp | 69.3%+27.7pp |
| Annual return | 12.60% | 23.77%-11.2pp | 21.49%-8.9pp | 318.58%-306.0pp |
| Employer contribution / active EE | $3,181 | $1,755+81.2% | $2,618+21.5% | $2,565+24.0% |
| Participant deferral / active EE | $2,952 | $2,802+5.3% | $3,923-24.7% | $3,952-25.3% |
| Admin fee / account holder | $2,197 | $4,643-52.7% | $6,874-68.0% | $6,261-64.9% |