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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 | $126,361 | $58,848+114.7% | $88,179+43.3% | $82,637+52.9% |
| Participation rate | 82.2% | 57.9%+24.3pp | 69.1%+13.1pp | 68.1%+14.2pp |
| Annual return | 16.92% | 22.76%-5.8pp | 64.97%-48.0pp | 53.51%-36.6pp |
| Employer contribution / active EE | $8,605 | $1,678+412.7% | $2,549+237.6% | $2,552+237.2% |
| Participant deferral / active EE | $10,257 | $3,124+228.4% | $4,614+122.3% | $4,126+148.6% |
| Admin fee / account holder | $3,333 | $4,795-30.5% | $7,673-56.6% | $7,339-54.6% |