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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 | $153,284 | $78,690+94.8% | $161,489-5.1% | $87,485+75.2% |
| Participation rate | 86.7% | 67.5%+19.2pp | 78.7%+8.0pp | 68.9%+17.7pp |
| Annual return | 15.58% | 32.74%-17.2pp | 89.72%-74.1pp | 26.06%-10.5pp |
| Employer contribution / active EE | $2,969 | $2,588+14.7% | $4,268-30.5% | $2,596+14.3% |
| Participant deferral / active EE | $4,689 | $3,311+41.6% | $5,630-16.7% | $4,274+9.7% |
| Admin fee / account holder | $2,234 | $6,724-66.8% | $16,006-86.0% | $7,775-71.3% |