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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 | $166,209 | $112,935+47.2% | $90,970+82.7% | $158,966+4.6% |
| Participation rate | 83.3% | 74.7%+8.6pp | 69.0%+14.3pp | 82.0%+1.4pp |
| Annual return | 14.27% | 215.79%-201.5pp | 134.58%-120.3pp | 302.95%-288.7pp |
| Employer contribution / active EE | $2,342 | $2,895-19.1% | $2,122+10.3% | $4,762-50.8% |
| Participant deferral / active EE | $5,874 | $4,129+42.3% | $3,373+74.1% | $5,983-1.8% |
| Admin fee / account holder | $540 | $8,045-93.3% | $5,960-90.9% | $11,250-95.2% |