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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 | $170,388 | $91,179+86.9% | $178,499-4.5% | $79,852+113.4% |
| Participation rate | 97.9% | 69.2%+28.7pp | 81.9%+16.0pp | 69.6%+28.3pp |
| Annual return | 18.19% | 24.19%-6.0pp | 151.10%-132.9pp | 31.72%-13.5pp |
| Employer contribution / active EE | $3,006 | $3,256-7.7% | $5,011-40.0% | $2,471+21.6% |
| Participant deferral / active EE | $6,527 | $3,236+101.7% | $5,202+25.5% | $3,740+74.5% |
| Admin fee / account holder | $5,609 | $6,749-16.9% | $13,986-59.9% | $5,306+5.7% |