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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 | $160,164 | $86,298+85.6% | $111,308+43.9% | $85,847+86.6% |
| Participation rate | 86.7% | 73.3%+13.3pp | 77.3%+9.3pp | 69.3%+17.3pp |
| Annual return | 11.73% | 19.99%-8.3pp | 54.67%-42.9pp | 318.61%-306.9pp |
| Employer contribution / active EE | $1,800 | $2,044-11.9% | $2,732-34.1% | $2,565-29.8% |
| Participant deferral / active EE | $5,878 | $3,641+61.5% | $4,487+31.0% | $3,952+48.7% |
| Admin fee / account holder | $7,870 | $8,189-3.9% | $7,965-1.2% | $6,261+25.7% |