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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 | $56,814 | $209,336-72.9% | $197,124-71.2% | $137,256-58.6% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 27.74% | 48.09%-20.3pp | 44.34%-16.6pp | 220.34%-192.6pp |
| Employer contribution / active EE | $3,919 | $6,591-40.5% | $6,227-37.1% | $4,156-5.7% |
| Participant deferral / active EE | $8,915 | $9,614-7.3% | $9,135-2.4% | $6,407+39.1% |
| Admin fee / account holder | $1,759 | $17,308-89.8% | $16,298-89.2% | $12,270-85.7% |