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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 | $150,902 | $100,139+50.7% | $85,187+77.1% | $145,884+3.4% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 12.16% | 84.15%-72.0pp | 66.67%-54.5pp | 551.85%-539.7pp |
| Employer contribution / active EE | $2,371 | $3,238-26.8% | $2,732-13.2% | $4,662-49.1% |
| Participant deferral / active EE | $8,032 | $5,296+51.7% | $4,525+77.5% | $6,690+20.1% |
| Admin fee / account holder | $1,485 | $7,262-79.6% | $6,162-75.9% | $13,392-88.9% |