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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 | $145,517 | $51,638+181.8% | $68,368+112.8% | $82,448+76.5% |
| Participation rate | 89.7% | 63.6%+26.0pp | 73.8%+15.9pp | 68.1%+21.6pp |
| Annual return | 16.90% | 37.53%-20.6pp | 292.57%-275.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,390 | $2,047+16.8% | $2,649-9.8% | $2,551-6.3% |
| Participant deferral / active EE | $6,164 | $2,914+111.6% | $4,123+49.5% | $4,139+48.9% |
| Admin fee / account holder | $1,869 | $4,643-59.7% | $5,150-63.7% | $7,234-74.2% |