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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 | $172,459 | $102,385+68.4% | $147,080+17.3% | $80,935+113.1% |
| Participation rate | 72.9% | 75.9%-3.0pp | 82.2%-9.3pp | 67.7%+5.2pp |
| Annual return | 14.96% | 135.09%-120.1pp | 420.17%-405.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $4,887 | $3,717+31.5% | $4,933-0.9% | $2,757+77.3% |
| Participant deferral / active EE | $12,264 | $6,651+84.4% | $8,066+52.0% | $4,299+185.2% |
| Admin fee / account holder | $18,027 | $7,951+126.7% | $12,989+38.8% | $6,924+160.3% |