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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 | $181,690 | $85,766+111.8% | $136,298+33.3% | $70,126+159.1% |
| Participation rate | 80.0% | 74.2%+5.8pp | 81.9%-1.9pp | 69.5%+10.5pp |
| Annual return | 20.51% | 31.46%-10.9pp | 5156.27%-5135.8pp | 73.15%-52.6pp |
| Employer contribution / active EE | $2,494 | $2,966-15.9% | $4,696-46.9% | $2,343+6.5% |
| Participant deferral / active EE | $3,912 | $5,051-22.5% | $6,247-37.4% | $3,332+17.4% |
| Admin fee / account holder | $7,549 | $5,421+39.3% | $9,244-18.3% | $4,645+62.5% |