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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 | $128,999 | $88,672+45.5% | $105,223+22.6% | $82,448+56.5% |
| Participation rate | 87.7% | 67.9%+19.8pp | 75.0%+12.7pp | 68.1%+19.7pp |
| Annual return | 14.26% | 30.86%-16.6pp | 180.65%-166.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $4,561 | $3,048+49.7% | $3,689+23.7% | $2,551+78.8% |
| Participant deferral / active EE | $6,176 | $4,036+53.0% | $5,072+21.8% | $4,139+49.2% |
| Admin fee / account holder | $38,044 | $7,146+432.4% | $8,859+329.4% | $7,234+425.9% |