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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 | $134,509 | $89,259+50.7% | $107,187+25.5% | $82,637+62.8% |
| Participation rate | 71.4% | 67.9%+3.5pp | 75.0%-3.6pp | 68.1%+3.4pp |
| Annual return | 13.75% | 21.02%-7.3pp | 204.55%-190.8pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,447 | $3,080-20.6% | $3,782-35.3% | $2,552-4.1% |
| Participant deferral / active EE | $6,583 | $4,037+63.1% | $5,096+29.2% | $4,126+59.6% |
| Admin fee / account holder | $3,771 | $7,381-48.9% | $9,162-58.8% | $7,339-48.6% |