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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 | $133,695 | $96,268+38.9% | $143,412-6.8% | $86,983+53.7% |
| Participation rate | 93.5% | 74.6%+18.9pp | 78.5%+15.1pp | 69.5%+24.0pp |
| Annual return | 17.62% | 25.47%-7.8pp | 256.99%-239.4pp | 25.83%-8.2pp |
| Employer contribution / active EE | $4,310 | $3,080+39.9% | $3,748+15.0% | $2,584+66.8% |
| Participant deferral / active EE | $12,834 | $6,001+113.9% | $6,816+88.3% | $4,194+206.0% |
| Admin fee / account holder | $1,303 | $7,778-83.2% | $11,396-88.6% | $7,856-83.4% |