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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 | $167,284 | $102,429+63.3% | $147,096+13.7% | $80,925+106.7% |
| Participation rate | 72.0% | 75.9%-3.9pp | 82.2%-10.2pp | 67.7%+4.3pp |
| Annual return | 15.12% | 135.02%-119.9pp | 419.75%-404.6pp | 35.65%-20.5pp |
| Employer contribution / active EE | $4,873 | $3,716+31.1% | $4,936-1.3% | $2,756+76.8% |
| Participant deferral / active EE | $3,699 | $6,649-44.4% | $8,071-54.2% | $4,299-13.9% |
| Admin fee / account holder | $3,087 | $7,957-61.2% | $13,005-76.3% | $6,940-55.5% |