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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 | $130,636 | $72,071+81.3% | $68,368+91.1% | $137,256-4.8% |
| Participation rate | 75.0% | 76.2%-1.2pp | 73.8%+1.2pp | 80.0%-5.0pp |
| Annual return | 18.12% | 353.14%-335.0pp | 292.57%-274.5pp | 220.34%-202.2pp |
| Employer contribution / active EE | $1,805 | $2,788-35.3% | $2,649-31.9% | $4,156-56.6% |
| Participant deferral / active EE | $5,435 | $4,410+23.2% | $4,123+31.8% | $6,407-15.2% |
| Admin fee / account holder | $738 | $5,336-86.2% | $5,150-85.7% | $12,270-94.0% |