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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 | $80,356 | $70,430+14.1% | $96,572-16.8% | $85,851-6.4% |
| Participation rate | 93.8% | 61.8%+31.9pp | 69.8%+23.9pp | 69.3%+24.4pp |
| Annual return | 12.23% | 18.58%-6.4pp | 37.79%-25.6pp | 318.63%-306.4pp |
| Employer contribution / active EE | $4,343 | $1,413+207.3% | $2,357+84.2% | $2,565+69.3% |
| Participant deferral / active EE | $3,985 | $2,894+37.7% | $3,850+3.5% | $3,952+0.8% |
| Admin fee / account holder | $3,117 | $4,996-37.6% | $6,183-49.6% | $6,261-50.2% |