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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 | $148,528 | $89,370+66.2% | $141,197+5.2% | $72,976+103.5% |
| Participation rate | 96.7% | 75.1%+21.5pp | 82.5%+14.2pp | 69.5%+27.2pp |
| Annual return | 25.56% | 111.88%-86.3pp | 71.41%-45.8pp | 81.02%-55.5pp |
| Employer contribution / active EE | $2,072 | $3,115-33.5% | $4,736-56.3% | $2,440-15.1% |
| Participant deferral / active EE | $5,388 | $5,419-0.6% | $6,710-19.7% | $3,608+49.3% |
| Admin fee / account holder | $2,160 | $5,957-63.7% | $10,265-79.0% | $5,124-57.8% |