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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 | $127,170 | $95,415+33.3% | $185,851-31.6% | $85,851+48.1% |
| Participation rate | 86.2% | 68.8%+17.4pp | 81.7%+4.5pp | 69.3%+16.9pp |
| Annual return | 13.66% | 23.59%-9.9pp | 122.11%-108.4pp | 318.63%-305.0pp |
| Employer contribution / active EE | $4,080 | $3,314+23.1% | $5,168-21.1% | $2,565+59.1% |
| Participant deferral / active EE | $5,509 | $3,424+60.9% | $5,569-1.1% | $3,952+39.4% |
| Admin fee / account holder | $8,451 | $7,215+17.1% | $16,245-48.0% | $6,261+35.0% |