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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 | $196,889 | $97,078+102.8% | $103,065+91.0% | $145,897+35.0% |
| Participation rate | 93.8% | 81.1%+12.6pp | 80.6%+13.2pp | 80.3%+13.4pp |
| Annual return | 11.96% | 25.49%-13.5pp | 23.95%-12.0pp | 552.29%-540.3pp |
| Employer contribution / active EE | $16,206 | $4,680+246.3% | $4,675+246.6% | $4,663+247.6% |
| Participant deferral / active EE | $4,323 | $6,601-34.5% | $6,625-34.7% | $6,689-35.4% |
| Admin fee / account holder | $20,303 | $12,505+62.4% | $9,349+117.2% | $13,390+51.6% |