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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 | $165,492 | $100,139+65.3% | $85,187+94.3% | $145,884+13.4% |
| Participation rate | 78.6% | 74.1%+4.5pp | 67.5%+11.0pp | 80.3%-1.7pp |
| Annual return | 12.71% | 84.15%-71.4pp | 66.67%-54.0pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,411 | $3,238-56.4% | $2,732-48.4% | $4,662-69.7% |
| Participant deferral / active EE | $3,572 | $5,296-32.5% | $4,525-21.1% | $6,690-46.6% |
| Admin fee / account holder | $2,214 | $7,262-69.5% | $6,162-64.1% | $13,392-83.5% |