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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 | $138,595 | $56,134+146.9% | $96,171+44.1% | $85,847+61.4% |
| Participation rate | 79.3% | 56.7%+22.6pp | 68.4%+10.9pp | 69.3%+10.0pp |
| Annual return | 13.55% | 42.30%-28.8pp | 192.04%-178.5pp | 318.61%-305.1pp |
| Employer contribution / active EE | $559 | $1,620-65.5% | $2,799-80.0% | $2,565-78.2% |
| Participant deferral / active EE | $5,885 | $2,858+106.0% | $4,350+35.3% | $3,952+48.9% |
| Admin fee / account holder | $1,555 | $3,769-58.7% | $5,538-71.9% | $6,261-75.2% |