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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 | $172,110 | $106,923+61.0% | $84,023+104.8% | $152,909+12.6% |
| Participation rate | 79.2% | 75.3%+3.9pp | 69.0%+10.1pp | 82.5%-3.3pp |
| Annual return | 19.30% | 105.02%-85.7pp | 71.32%-52.0pp | 345.46%-326.2pp |
| Employer contribution / active EE | $1,395 | $2,735-49.0% | $1,984-29.7% | $4,764-70.7% |
| Participant deferral / active EE | $5,318 | $4,013+32.5% | $3,239+64.2% | $5,851-9.1% |
| Admin fee / account holder | $27,698 | $8,289+234.2% | $6,102+353.9% | $11,601+138.8% |