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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 | $118,304 | $98,766+19.8% | $149,730-21.0% | $79,852+48.2% |
| Participation rate | 82.2% | 75.8%+6.4pp | 82.5%-0.3pp | 69.6%+12.6pp |
| Annual return | 14.67% | 27.43%-12.8pp | 276.70%-262.0pp | 31.72%-17.0pp |
| Employer contribution / active EE | $2,031 | $3,217-36.9% | $4,645-56.3% | $2,471-17.8% |
| Participant deferral / active EE | $8,038 | $5,681+41.5% | $6,843+17.5% | $3,740+114.9% |
| Admin fee / account holder | $12,318 | $6,052+103.5% | $9,310+32.3% | $5,306+132.1% |