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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 | $231,333 | $112,935+104.8% | $90,970+154.3% | $158,966+45.5% |
| Participation rate | 92.3% | 74.7%+17.6pp | 69.0%+23.3pp | 82.0%+10.3pp |
| Annual return | 12.64% | 215.79%-203.2pp | 134.58%-121.9pp | 302.95%-290.3pp |
| Employer contribution / active EE | $1,668 | $2,895-42.4% | $2,122-21.4% | $4,762-65.0% |
| Participant deferral / active EE | $9,894 | $4,129+139.6% | $3,373+193.3% | $5,983+65.4% |
| Admin fee / account holder | $5,439 | $8,045-32.4% | $5,960-8.7% | $11,250-51.7% |