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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 | $169,450 | $78,707+115.3% | $117,861+43.8% | $70,126+141.6% |
| Participation rate | 94.6% | 73.2%+21.4pp | 79.7%+14.9pp | 69.5%+25.1pp |
| Annual return | 19.61% | 23.30%-3.7pp | 335.11%-315.5pp | 73.15%-53.5pp |
| Employer contribution / active EE | $1,514 | $2,223-31.9% | $3,786-60.0% | $2,343-35.4% |
| Participant deferral / active EE | $4,497 | $3,297+36.4% | $4,482+0.3% | $3,332+35.0% |
| Admin fee / account holder | $2,136 | $5,066-57.8% | $8,021-73.4% | $4,645-54.0% |