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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 | $175,717 | $150,207+17.0% | $120,380+46.0% | $145,978+20.4% |
| Participation rate | 83.3% | 78.8%+4.6pp | 71.9%+11.4pp | 80.3%+3.0pp |
| Annual return | 12.35% | 154.28%-141.9pp | 107.28%-94.9pp | 550.52%-538.2pp |
| Employer contribution / active EE | $5,223 | $4,351+20.0% | $3,465+50.7% | $4,662+12.0% |
| Participant deferral / active EE | $16,262 | $6,175+163.3% | $4,992+225.7% | $6,690+143.1% |
| Admin fee / account holder | $5,104 | $12,203-58.2% | $9,421-45.8% | $13,400-61.9% |