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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 | $162,234 | $91,559+77.2% | $133,978+21.1% | $79,856+103.2% |
| Participation rate | 76.9% | 73.3%+3.6pp | 79.8%-2.9pp | 69.6%+7.3pp |
| Annual return | 19.20% | 61.85%-42.6pp | 45.10%-25.9pp | 31.71%-12.5pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,079 | $3,734+9.3% | $5,047-19.2% | $3,741+9.1% |
| Admin fee / account holder | $2,001 | $6,321-68.3% | $8,930-77.6% | $5,306-62.3% |