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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 | $120,175 | $89,259+34.6% | $107,187+12.1% | $82,637+45.4% |
| Participation rate | 81.8% | 67.9%+13.9pp | 75.0%+6.8pp | 68.1%+13.8pp |
| Annual return | 16.97% | 21.02%-4.1pp | 204.55%-187.6pp | 53.51%-36.5pp |
| Employer contribution / active EE | $1,530 | $3,080-50.3% | $3,782-59.5% | $2,552-40.0% |
| Participant deferral / active EE | $8,020 | $4,037+98.6% | $5,096+57.4% | $4,126+94.4% |
| Admin fee / account holder | $6,039 | $7,381-18.2% | $9,162-34.1% | $7,339-17.7% |