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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 | $167,084 | $125,237+33.4% | $105,608+58.2% | $145,877+14.5% |
| Participation rate | 85.7% | 77.7%+8.1pp | 75.3%+10.4pp | 80.3%+5.4pp |
| Annual return | 14.79% | 225.76%-211.0pp | 116.50%-101.7pp | 551.28%-536.5pp |
| Employer contribution / active EE | $1,936 | $3,720-48.0% | $3,167-38.9% | $4,663-58.5% |
| Participant deferral / active EE | $8,398 | $5,711+47.1% | $5,010+67.6% | $6,691+25.5% |
| Admin fee / account holder | $5,697 | $17,287-67.0% | $11,028-48.3% | $13,402-57.5% |