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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 | $124,383 | $88,672+40.3% | $105,223+18.2% | $82,448+50.9% |
| Participation rate | 85.7% | 67.9%+17.8pp | 75.0%+10.7pp | 68.1%+17.6pp |
| Annual return | 18.89% | 30.86%-12.0pp | 180.65%-161.8pp | 41.64%-22.7pp |
| Employer contribution / active EE | $12,618 | $3,048+314.0% | $3,689+242.1% | $2,551+394.6% |
| Participant deferral / active EE | $4,942 | $4,036+22.4% | $5,072-2.6% | $4,139+19.4% |
| Admin fee / account holder | $4,861 | $7,146-32.0% | $8,859-45.1% | $7,234-32.8% |