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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 | $126,593 | $99,994+26.6% | $146,647-13.7% | $85,851+47.5% |
| Participation rate | 75.8% | 73.1%+2.7pp | 80.1%-4.3pp | 69.3%+6.4pp |
| Annual return | 15.62% | 18.93%-3.3pp | 22.75%-7.1pp | 318.63%-303.0pp |
| Employer contribution / active EE | $4,320 | $2,559+68.8% | $4,137+4.4% | $2,565+68.4% |
| Participant deferral / active EE | $8,101 | $4,006+102.2% | $5,506+47.1% | $3,952+105.0% |
| Admin fee / account holder | $5,964 | $7,703-22.6% | $10,281-42.0% | $6,261-4.7% |