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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 | $236,301 | $64,324+267.4% | $118,914+98.7% | $79,856+195.9% |
| Participation rate | 87.5% | 64.9%+22.6pp | 75.4%+12.1pp | 69.6%+17.9pp |
| Annual return | 12.57% | 86.45%-73.9pp | 35.89%-23.3pp | 31.71%-19.1pp |
| Employer contribution / active EE | $3,291 | $1,836+79.2% | $3,264+0.8% | $2,471+33.2% |
| Participant deferral / active EE | $7,882 | $2,824+179.1% | $4,266+84.8% | $3,741+110.7% |
| Admin fee / account holder | $5,826 | $4,040+44.2% | $6,582-11.5% | $5,306+9.8% |