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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 | $146,665 | $56,063+161.6% | $76,051+92.9% | $80,911+81.3% |
| Participation rate | 73.3% | 62.0%+11.3pp | 69.1%+4.3pp | 67.6%+5.7pp |
| Annual return | 15.83% | 20.54%-4.7pp | 360.42%-344.6pp | 35.63%-19.8pp |
| Employer contribution / active EE | $2,427 | $1,874+29.5% | $2,690-9.8% | $2,756-11.9% |
| Participant deferral / active EE | $4,586 | $3,052+50.2% | $4,257+7.7% | $4,297+6.7% |
| Admin fee / account holder | $5,115 | $5,240-2.4% | $6,416-20.3% | $6,935-26.2% |