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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 | $201,384 | $57,312+251.4% | $86,617+132.5% | $75,181+167.9% |
| Participation rate | 86.2% | 63.2%+23.0pp | 71.7%+14.5pp | 67.2%+19.0pp |
| Annual return | 20.97% | 2672.78%-2651.8pp | 591.91%-570.9pp | 160.69%-139.7pp |
| Employer contribution / active EE | $2,661 | $2,315+14.9% | $3,023-12.0% | $2,671-0.4% |
| Participant deferral / active EE | $5,721 | $3,319+72.4% | $4,437+28.9% | $4,126+38.7% |
| Admin fee / account holder | $4,403 | $4,114+7.0% | $5,613-21.6% | $5,650-22.1% |