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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 | $160,936 | $76,407+110.6% | $150,298+7.1% | $82,448+95.2% |
| Participation rate | 85.1% | 66.4%+18.7pp | 77.8%+7.3pp | 68.1%+17.0pp |
| Annual return | 16.86% | 39.99%-23.1pp | 62.79%-45.9pp | 41.64%-24.8pp |
| Employer contribution / active EE | $12,941 | $2,614+395.1% | $4,154+211.5% | $2,551+407.3% |
| Participant deferral / active EE | $7,311 | $3,214+127.5% | $5,453+34.1% | $4,139+76.6% |
| Admin fee / account holder | $6,923 | $6,352+9.0% | $14,116-51.0% | $7,234-4.3% |