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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 | $160,972 | $78,423+105.3% | $95,964+67.7% | $79,856+101.6% |
| Participation rate | 78.6% | 73.5%+5.1pp | 77.1%+1.5pp | 69.6%+8.9pp |
| Annual return | 17.51% | 19.37%-1.9pp | 91.64%-74.1pp | 31.71%-14.2pp |
| Employer contribution / active EE | $3,641 | $1,945+87.2% | $2,541+43.3% | $2,471+47.3% |
| Participant deferral / active EE | $2,921 | $3,440-15.1% | $4,167-29.9% | $3,741-21.9% |
| Admin fee / account holder | $3,134 | $5,622-44.2% | $6,797-53.9% | $5,306-40.9% |