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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 | $137,618 | $93,345+47.4% | $119,126+15.5% | $87,485+57.3% |
| Participation rate | 89.9% | 68.7%+21.1pp | 75.8%+14.1pp | 68.9%+20.9pp |
| Annual return | 12.73% | 19.08%-6.4pp | 282.11%-269.4pp | 26.06%-13.3pp |
| Employer contribution / active EE | $3,155 | $3,172-0.5% | $4,034-21.8% | $2,596+21.5% |
| Participant deferral / active EE | $8,921 | $4,099+117.7% | $5,318+67.8% | $4,274+108.8% |
| Admin fee / account holder | $8,001 | $8,039-0.5% | $10,693-25.2% | $7,775+2.9% |