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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 | $133,290 | $107,421+24.1% | $182,262-26.9% | $94,015+41.8% |
| Participation rate | 97.3% | 77.8%+19.5pp | 84.2%+13.1pp | 70.8%+26.5pp |
| Annual return | 16.76% | 21.32%-4.6pp | 140.60%-123.8pp | 17.84%-1.1pp |
| Employer contribution / active EE | $9,338 | $3,448+170.8% | $5,046+85.1% | $2,790+234.7% |
| Participant deferral / active EE | $8,215 | $6,558+25.3% | $8,276-0.7% | $4,249+93.3% |
| Admin fee / account holder | $6,500 | $8,692-25.2% | $16,712-61.1% | $8,951-27.4% |