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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 | $167,612 | $102,429+63.6% | $147,096+13.9% | $80,925+107.1% |
| Participation rate | 86.8% | 75.9%+10.9pp | 82.2%+4.6pp | 67.7%+19.1pp |
| Annual return | 13.00% | 135.02%-122.0pp | 419.75%-406.7pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,663 | $3,716-28.3% | $4,936-46.1% | $2,756-3.4% |
| Participant deferral / active EE | $7,509 | $6,649+12.9% | $8,071-7.0% | $4,299+74.7% |
| Admin fee / account holder | $4,570 | $7,957-42.6% | $13,005-64.9% | $6,940-34.1% |