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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 | $134,355 | $63,861+110.4% | $104,639+28.4% | $79,856+68.2% |
| Participation rate | 82.2% | 64.9%+17.3pp | 74.1%+8.1pp | 69.6%+12.6pp |
| Annual return | 14.47% | 21.30%-6.8pp | 340.67%-326.2pp | 31.71%-17.2pp |
| Employer contribution / active EE | $4,392 | $1,588+176.5% | $2,682+63.8% | $2,471+77.7% |
| Participant deferral / active EE | $4,446 | $2,693+65.1% | $3,738+18.9% | $3,741+18.9% |
| Admin fee / account holder | $1,765 | $4,185-57.8% | $6,465-72.7% | $5,306-66.7% |