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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 | $161,059 | $91,194+76.6% | $178,486-9.8% | $79,860+101.7% |
| Participation rate | 93.3% | 69.2%+24.1pp | 81.9%+11.4pp | 69.6%+23.7pp |
| Annual return | 17.08% | 24.19%-7.1pp | 151.08%-134.0pp | 31.72%-14.6pp |
| Employer contribution / active EE | $4,359 | $3,256+33.9% | $5,011-13.0% | $2,471+76.4% |
| Participant deferral / active EE | $4,405 | $3,236+36.1% | $5,202-15.3% | $3,740+17.8% |
| Admin fee / account holder | $1,976 | $6,751-70.7% | $13,985-85.9% | $5,306-62.8% |