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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 | $123,078 | $91,559+34.4% | $133,971-8.1% | $79,852+54.1% |
| Participation rate | 89.3% | 73.3%+15.9pp | 79.8%+9.4pp | 69.6%+19.6pp |
| Annual return | 15.62% | 61.85%-46.2pp | 45.09%-29.5pp | 31.72%-16.1pp |
| Employer contribution / active EE | $1,319 | $2,384-44.7% | $3,919-66.3% | $2,471-46.6% |
| Participant deferral / active EE | $4,497 | $3,734+20.4% | $5,047-10.9% | $3,740+20.2% |
| Admin fee / account holder | $12,139 | $6,321+92.0% | $8,929+35.9% | $5,306+128.8% |