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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 | $145,754 | $78,423+85.9% | $95,964+51.9% | $79,856+82.5% |
| Participation rate | 81.0% | 73.5%+7.5pp | 77.1%+3.9pp | 69.6%+11.3pp |
| Annual return | 13.46% | 19.37%-5.9pp | 91.64%-78.2pp | 31.71%-18.2pp |
| Employer contribution / active EE | $3,948 | $1,945+102.9% | $2,541+55.3% | $2,471+59.7% |
| Participant deferral / active EE | $3,817 | $3,440+11.0% | $4,167-8.4% | $3,741+2.0% |
| Admin fee / account holder | $3,161 | $5,622-43.8% | $6,797-53.5% | $5,306-40.4% |