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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 | $176,032 | $98,776+78.2% | $149,745+17.6% | $79,856+120.4% |
| Participation rate | 96.7% | 75.8%+20.9pp | 82.5%+14.2pp | 69.6%+27.0pp |
| Annual return | 16.64% | 27.38%-10.7pp | 276.72%-260.1pp | 31.71%-15.1pp |
| Employer contribution / active EE | $7,716 | $3,217+139.8% | $4,646+66.1% | $2,471+212.2% |
| Participant deferral / active EE | $6,924 | $5,681+21.9% | $6,843+1.2% | $3,741+85.1% |
| Admin fee / account holder | $4,631 | $6,053-23.5% | $9,312-50.3% | $5,306-12.7% |