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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 | $133,470 | $50,082+166.5% | $93,419+42.9% | $79,852+67.1% |
| Participation rate | 86.8% | 60.9%+25.9pp | 66.8%+20.1pp | 69.6%+17.2pp |
| Annual return | 13.77% | 24.59%-10.8pp | 78.05%-64.3pp | 31.72%-17.9pp |
| Employer contribution / active EE | $3,094 | $1,303+137.4% | $2,075+49.1% | $2,471+25.2% |
| Participant deferral / active EE | $4,652 | $2,212+110.3% | $3,126+48.8% | $3,740+24.4% |
| Admin fee / account holder | $777 | $3,454-77.5% | $5,230-85.1% | $5,306-85.4% |