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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 | $183,414 | $76,407+140.0% | $150,298+22.0% | $82,448+122.5% |
| Participation rate | 94.6% | 66.4%+28.2pp | 77.8%+16.8pp | 68.1%+26.5pp |
| Annual return | 15.37% | 39.99%-24.6pp | 62.79%-47.4pp | 41.64%-26.3pp |
| Employer contribution / active EE | $7,088 | $2,614+171.2% | $4,154+70.6% | $2,551+177.9% |
| Participant deferral / active EE | $6,825 | $3,214+112.3% | $5,453+25.2% | $4,139+64.9% |
| Admin fee / account holder | $2,074 | $6,352-67.4% | $14,116-85.3% | $7,234-71.3% |