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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 | $174,776 | $111,535+56.7% | $105,223+66.1% | $137,256+27.3% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 13.77% | 237.85%-224.1pp | 180.65%-166.9pp | 220.34%-206.6pp |
| Employer contribution / active EE | $2,294 | $3,939-41.8% | $3,689-37.8% | $4,156-44.8% |
| Participant deferral / active EE | $9,016 | $5,500+63.9% | $5,072+77.8% | $6,407+40.7% |
| Admin fee / account holder | $7,197 | $9,721-26.0% | $8,859-18.8% | $12,270-41.3% |