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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 | $133,056 | $98,766+34.7% | $149,730-11.1% | $79,852+66.6% |
| Participation rate | 95.1% | 75.8%+19.3pp | 82.5%+12.6pp | 69.6%+25.5pp |
| Annual return | 12.71% | 27.43%-14.7pp | 276.70%-264.0pp | 31.72%-19.0pp |
| Employer contribution / active EE | $4,779 | $3,217+48.6% | $4,645+2.9% | $2,471+93.4% |
| Participant deferral / active EE | $8,508 | $5,681+49.8% | $6,843+24.3% | $3,740+127.5% |
| Admin fee / account holder | $22,591 | $6,052+273.3% | $9,310+142.6% | $5,306+325.7% |