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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 | $147,945 | $106,923+38.4% | $84,023+76.1% | $152,909-3.2% |
| Participation rate | 78.6% | 75.3%+3.3pp | 69.0%+9.6pp | 82.5%-3.9pp |
| Annual return | 23.35% | 105.02%-81.7pp | 71.32%-48.0pp | 345.46%-322.1pp |
| Employer contribution / active EE | $4,374 | $2,735+59.9% | $1,984+120.5% | $4,764-8.2% |
| Participant deferral / active EE | $6,186 | $4,013+54.2% | $3,239+91.0% | $5,851+5.7% |
| Admin fee / account holder | $2,151 | $8,289-74.0% | $6,102-64.7% | $11,601-81.5% |