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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 | $87,393 | $52,279+67.2% | $89,435-2.3% | $79,856+9.4% |
| Participation rate | 82.1% | 57.5%+24.6pp | 68.0%+14.2pp | 69.6%+12.5pp |
| Annual return | 12.43% | 22.16%-9.7pp | 245.55%-233.1pp | 31.71%-19.3pp |
| Employer contribution / active EE | $5,667 | $1,572+260.6% | $2,587+119.0% | $2,471+129.3% |
| Participant deferral / active EE | $4,712 | $2,740+72.0% | $3,890+21.1% | $3,741+26.0% |
| Admin fee / account holder | $21,349 | $3,356+536.1% | $4,884+337.1% | $5,306+302.3% |