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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 | $146,828 | $95,406+53.9% | $185,849-21.0% | $85,847+71.0% |
| Participation rate | 88.9% | 68.8%+20.1pp | 81.7%+7.2pp | 69.3%+19.6pp |
| Annual return | 14.27% | 23.59%-9.3pp | 122.10%-107.8pp | 318.61%-304.3pp |
| Employer contribution / active EE | $4,134 | $3,314+24.8% | $5,169-20.0% | $2,565+61.2% |
| Participant deferral / active EE | $8,544 | $3,424+149.6% | $5,569+53.4% | $3,952+116.2% |
| Admin fee / account holder | $32,717 | $7,214+353.5% | $16,244+101.4% | $6,261+422.6% |