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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 | $148,442 | $93,345+59.0% | $119,126+24.6% | $87,485+69.7% |
| Participation rate | 97.0% | 68.7%+28.2pp | 75.8%+21.2pp | 68.9%+28.0pp |
| Annual return | 14.84% | 19.08%-4.2pp | 282.11%-267.3pp | 26.06%-11.2pp |
| Employer contribution / active EE | $9,713 | $3,172+206.2% | $4,034+140.8% | $2,596+274.1% |
| Participant deferral / active EE | $4,939 | $4,099+20.5% | $5,318-7.1% | $4,274+15.6% |
| Admin fee / account holder | $3,302 | $8,039-58.9% | $10,693-69.1% | $7,775-57.5% |