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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 | $136,859 | $91,198+50.1% | $178,503-23.3% | $79,856+71.4% |
| Participation rate | 83.9% | 69.2%+14.7pp | 81.9%+1.9pp | 69.6%+14.2pp |
| Annual return | 13.52% | 24.20%-10.7pp | 151.12%-137.6pp | 31.71%-18.2pp |
| Employer contribution / active EE | $2,277 | $3,257-30.1% | $5,011-54.6% | $2,471-7.9% |
| Participant deferral / active EE | $9,659 | $3,237+198.5% | $5,202+85.7% | $3,741+158.2% |
| Admin fee / account holder | $21,741 | $6,748+222.2% | $13,987+55.4% | $5,306+309.7% |