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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 | $169,624 | $91,198+86.0% | $178,503-5.0% | $79,856+112.4% |
| Participation rate | 77.4% | 69.2%+8.2pp | 81.9%-4.5pp | 69.6%+7.8pp |
| Annual return | 14.56% | 24.20%-9.6pp | 151.12%-136.6pp | 31.71%-17.2pp |
| Employer contribution / active EE | $8,062 | $3,257+147.5% | $5,011+60.9% | $2,471+226.2% |
| Participant deferral / active EE | $5,361 | $3,237+65.6% | $5,202+3.1% | $3,741+43.3% |
| Admin fee / account holder | $2,494 | $6,748-63.0% | $13,987-82.2% | $5,306-53.0% |