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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 | $127,426 | $107,421+18.6% | $182,262-30.1% | $94,015+35.5% |
| Participation rate | 74.4% | 77.8%-3.4pp | 84.2%-9.9pp | 70.8%+3.5pp |
| Annual return | 16.52% | 21.32%-4.8pp | 140.60%-124.1pp | 17.84%-1.3pp |
| Employer contribution / active EE | $4,402 | $3,448+27.7% | $5,046-12.8% | $2,790+57.8% |
| Participant deferral / active EE | $9,059 | $6,558+38.1% | $8,276+9.4% | $4,249+113.2% |
| Admin fee / account holder | $28,620 | $8,692+229.3% | $16,712+71.3% | $8,951+219.7% |