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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 | $128,023 | $89,370+43.3% | $141,197-9.3% | $72,976+75.4% |
| Participation rate | 80.6% | 75.1%+5.4pp | 82.5%-1.9pp | 69.5%+11.1pp |
| Annual return | 26.08% | 111.88%-85.8pp | 71.41%-45.3pp | 81.02%-54.9pp |
| Employer contribution / active EE | $969 | $3,115-68.9% | $4,736-79.5% | $2,440-60.3% |
| Participant deferral / active EE | $12,768 | $5,419+135.6% | $6,710+90.3% | $3,608+253.9% |
| Admin fee / account holder | $5,321 | $5,957-10.7% | $10,265-48.2% | $5,124+3.8% |