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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 | $159,932 | $91,198+75.4% | $178,503-10.4% | $79,856+100.3% |
| Participation rate | 90.3% | 69.2%+21.1pp | 81.9%+8.4pp | 69.6%+20.7pp |
| Annual return | 12.81% | 24.20%-11.4pp | 151.12%-138.3pp | 31.71%-18.9pp |
| Employer contribution / active EE | $2,469 | $3,257-24.2% | $5,011-50.7% | $2,471-0.1% |
| Participant deferral / active EE | $6,234 | $3,237+92.6% | $5,202+19.8% | $3,741+66.6% |
| Admin fee / account holder | $2,154 | $6,748-68.1% | $13,987-84.6% | $5,306-59.4% |