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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 | $161,827 | $100,073+61.7% | $85,126+90.1% | $145,877+10.9% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 14.60% | 84.11%-69.5pp | 66.63%-52.0pp | 551.28%-536.7pp |
| Employer contribution / active EE | $5,307 | $3,236+64.0% | $2,731+94.3% | $4,663+13.8% |
| Participant deferral / active EE | $9,436 | $5,294+78.2% | $4,523+108.6% | $6,691+41.0% |
| Admin fee / account holder | $4,288 | $7,261-40.9% | $6,160-30.4% | $13,402-68.0% |