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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 | $150,759 | $86,288+74.7% | $111,306+35.4% | $85,851+75.6% |
| Participation rate | 90.9% | 73.3%+17.6pp | 77.3%+13.6pp | 69.3%+21.6pp |
| Annual return | 13.73% | 19.99%-6.3pp | 54.67%-40.9pp | 318.63%-304.9pp |
| Employer contribution / active EE | $2,665 | $2,044+30.4% | $2,732-2.4% | $2,565+3.9% |
| Participant deferral / active EE | $4,948 | $3,641+35.9% | $4,488+10.3% | $3,952+25.2% |
| Admin fee / account holder | $15,963 | $8,189+94.9% | $7,966+100.4% | $6,261+155.0% |