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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 | $119,277 | $58,311+104.6% | $81,882+45.7% | $80,959+47.3% |
| Participation rate | 83.3% | 63.5%+19.8pp | 72.4%+10.9pp | 67.7%+15.7pp |
| Annual return | 12.30% | 41.85%-29.5pp | 779.47%-767.2pp | 35.67%-23.4pp |
| Employer contribution / active EE | $1,818 | $2,347-22.5% | $2,916-37.7% | $2,757-34.1% |
| Participant deferral / active EE | $5,612 | $3,287+70.7% | $4,323+29.8% | $4,300+30.5% |
| Admin fee / account holder | $16,217 | $4,752+241.3% | $7,360+120.4% | $6,925+134.2% |