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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 | $161,172 | $105,200+53.2% | $159,474+1.1% | $85,847+87.7% |
| Participation rate | 92.6% | 75.8%+16.8pp | 82.8%+9.8pp | 69.3%+23.3pp |
| Annual return | 12.76% | 45.08%-32.3pp | 263.68%-250.9pp | 318.61%-305.8pp |
| Employer contribution / active EE | $1,519 | $3,319-54.2% | $4,831-68.6% | $2,565-40.8% |
| Participant deferral / active EE | $9,247 | $5,946+55.5% | $7,353+25.7% | $3,952+134.0% |
| Admin fee / account holder | $1,161 | $6,934-83.3% | $10,802-89.3% | $6,261-81.5% |