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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 | $121,894 | $91,198+33.7% | $178,503-31.7% | $79,856+52.6% |
| Participation rate | 75.0% | 69.2%+5.8pp | 81.9%-6.9pp | 69.6%+5.4pp |
| Annual return | 13.58% | 24.20%-10.6pp | 151.12%-137.5pp | 31.71%-18.1pp |
| Employer contribution / active EE | $1,518 | $3,257-53.4% | $5,011-69.7% | $2,471-38.6% |
| Participant deferral / active EE | $7,714 | $3,237+138.3% | $5,202+48.3% | $3,741+106.2% |
| Admin fee / account holder | $8,082 | $6,748+19.8% | $13,987-42.2% | $5,306+52.3% |