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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 | $63,354+141.1% | $94,105+62.3% | $82,637+84.8% |
| Participation rate | 80.6% | 63.8%+16.8pp | 71.9%+8.7pp | 68.1%+12.6pp |
| Annual return | 15.76% | 34.36%-18.6pp | 204.55%-188.8pp | 53.51%-37.7pp |
| Employer contribution / active EE | $3,117 | $1,760+77.1% | $2,504+24.4% | $2,552+22.1% |
| Participant deferral / active EE | $6,448 | $2,873+124.4% | $3,881+66.2% | $4,126+56.3% |
| Admin fee / account holder | $2,663 | $5,073-47.5% | $6,199-57.1% | $7,339-63.7% |