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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 | $61,125+138.1% | $94,057+54.7% | $87,485+66.3% |
| Participation rate | 89.7% | 64.1%+25.6pp | 73.3%+16.3pp | 68.9%+20.7pp |
| Annual return | 16.90% | 35.20%-18.3pp | 480.62%-463.7pp | 26.06%-9.2pp |
| Employer contribution / active EE | $2,390 | $2,136+11.9% | $2,933-18.5% | $2,596-7.9% |
| Participant deferral / active EE | $6,164 | $3,260+89.1% | $4,709+30.9% | $4,274+44.2% |
| Admin fee / account holder | $1,869 | $5,629-66.8% | $7,244-74.2% | $7,775-76.0% |