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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 | $155,921 | $78,670+98.2% | $109,173+42.8% | $85,847+81.6% |
| Participation rate | 85.2% | 68.3%+16.9pp | 75.9%+9.3pp | 69.3%+15.9pp |
| Annual return | 13.66% | 25.09%-11.4pp | 25.75%-12.1pp | 318.61%-304.9pp |
| Employer contribution / active EE | $6,395 | $2,734+133.9% | $3,723+71.8% | $2,565+149.3% |
| Participant deferral / active EE | $6,495 | $3,467+87.3% | $4,654+39.6% | $3,952+64.3% |
| Admin fee / account holder | $825 | $5,469-84.9% | $6,755-87.8% | $6,261-86.8% |