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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 | $148,808 | $100,073+48.7% | $85,126+74.8% | $145,877+2.0% |
| Participation rate | 78.6% | 74.1%+4.5pp | 67.5%+11.0pp | 80.3%-1.7pp |
| Annual return | 15.04% | 84.11%-69.1pp | 66.63%-51.6pp | 551.28%-536.2pp |
| Employer contribution / active EE | $2,963 | $3,236-8.4% | $2,731+8.5% | $4,663-36.5% |
| Participant deferral / active EE | $5,338 | $5,294+0.8% | $4,523+18.0% | $6,691-20.2% |
| Admin fee / account holder | $1,065 | $7,261-85.3% | $6,160-82.7% | $13,402-92.1% |