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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 | $240,622 | $127,298+89.0% | $109,916+118.9% | $167,553+43.6% |
| Participation rate | 81.8% | 77.9%+3.9pp | 74.2%+7.6pp | 82.1%-0.3pp |
| Annual return | 17.99% | 22.97%-5.0pp | 29.46%-11.5pp | 478.89%-460.9pp |
| Employer contribution / active EE | $1,476 | $3,325-55.6% | $2,844-48.1% | $4,840-69.5% |
| Participant deferral / active EE | $3,252 | $4,513-27.9% | $4,047-19.7% | $6,343-48.7% |
| Admin fee / account holder | $31,739 | $7,119+345.8% | $6,069+422.9% | $12,316+157.7% |