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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 | $136,751 | $88,672+54.2% | $105,223+30.0% | $82,448+65.9% |
| Participation rate | 86.0% | 67.9%+18.1pp | 75.0%+11.0pp | 68.1%+18.0pp |
| Annual return | 19.15% | 30.86%-11.7pp | 180.65%-161.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,865 | $3,048-38.8% | $3,689-49.4% | $2,551-26.9% |
| Participant deferral / active EE | $4,619 | $4,036+14.4% | $5,072-8.9% | $4,139+11.6% |
| Admin fee / account holder | $1,985 | $7,146-72.2% | $8,859-77.6% | $7,234-72.6% |