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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 | $138,565 | $124,346+11.4% | $111,308+24.5% | $167,536-17.3% |
| Participation rate | 95.5% | 79.6%+15.8pp | 77.3%+18.1pp | 82.1%+13.3pp |
| Annual return | 12.51% | 37.45%-24.9pp | 54.67%-42.2pp | 478.82%-466.3pp |
| Employer contribution / active EE | $3,804 | $3,437+10.7% | $2,732+39.2% | $4,839-21.4% |
| Participant deferral / active EE | $5,990 | $5,182+15.6% | $4,487+33.5% | $6,342-5.5% |
| Admin fee / account holder | $438 | $10,621-95.9% | $7,965-94.5% | $12,315-96.4% |