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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 | $138,952 | $100,073+38.9% | $85,126+63.2% | $145,877-4.7% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 20.07% | 84.11%-64.0pp | 66.63%-46.6pp | 551.28%-531.2pp |
| Employer contribution / active EE | $1,447 | $3,236-55.3% | $2,731-47.0% | $4,663-69.0% |
| Participant deferral / active EE | $7,182 | $5,294+35.7% | $4,523+58.8% | $6,691+7.3% |
| Admin fee / account holder | $1,981 | $7,261-72.7% | $6,160-67.8% | $13,402-85.2% |