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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 | $147,782 | $105,200+40.5% | $159,474-7.3% | $85,847+72.1% |
| Participation rate | 82.1% | 75.8%+6.4pp | 82.8%-0.7pp | 69.3%+12.8pp |
| Annual return | 18.33% | 45.08%-26.7pp | 263.68%-245.3pp | 318.61%-300.3pp |
| Employer contribution / active EE | $2,133 | $3,319-35.7% | $4,831-55.9% | $2,565-16.9% |
| Participant deferral / active EE | $5,399 | $5,946-9.2% | $7,353-26.6% | $3,952+36.6% |
| Admin fee / account holder | $10,842 | $6,934+56.4% | $10,802+0.4% | $6,261+73.2% |