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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 | $155,233 | $89,367+73.7% | $141,191+9.9% | $72,975+112.7% |
| Participation rate | 84.4% | 75.1%+9.2pp | 82.5%+1.9pp | 69.5%+14.9pp |
| Annual return | 21.84% | 111.87%-90.0pp | 71.41%-49.6pp | 81.01%-59.2pp |
| Employer contribution / active EE | $2,407 | $3,115-22.7% | $4,736-49.2% | $2,440-1.4% |
| Participant deferral / active EE | $5,826 | $5,419+7.5% | $6,710-13.2% | $3,608+61.5% |
| Admin fee / account holder | $11,294 | $5,957+89.6% | $10,264+10.0% | $5,124+120.4% |