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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 | $162,440 | $58,099+179.6% | $76,872+111.3% | $75,173+116.1% |
| Participation rate | 97.6% | 63.9%+33.7pp | 69.6%+28.0pp | 67.2%+30.4pp |
| Annual return | 18.33% | 26.71%-8.4pp | 37.90%-19.6pp | 160.72%-142.4pp |
| Employer contribution / active EE | $5,371 | $1,996+169.1% | $2,533+112.0% | $2,671+101.1% |
| Participant deferral / active EE | $4,719 | $2,999+57.3% | $3,832+23.1% | $4,126+14.4% |
| Admin fee / account holder | $2,830 | $4,778-40.8% | $5,476-48.3% | $5,651-49.9% |