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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 | $152,743 | $63,703+139.8% | $93,063+64.1% | $82,448+85.3% |
| Participation rate | 80.6% | 63.8%+16.8pp | 72.1%+8.5pp | 68.1%+12.6pp |
| Annual return | 15.76% | -775.43%+791.2pp | 34.15%-18.4pp | 41.64%-25.9pp |
| Employer contribution / active EE | $3,117 | $1,729+80.3% | $2,476+25.9% | $2,551+22.2% |
| Participant deferral / active EE | $6,448 | $2,919+120.9% | $3,958+62.9% | $4,139+55.8% |
| Admin fee / account holder | $2,663 | $5,982-55.5% | $6,033-55.9% | $7,234-63.2% |