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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 | $239,337 | $110,379+116.8% | $102,412+133.7% | $145,884+64.1% |
| Participation rate | 82.4% | 77.9%+4.4pp | 74.5%+7.8pp | 80.3%+2.1pp |
| Annual return | 19.28% | 24.84%-5.6pp | 24.94%-5.7pp | 551.85%-532.6pp |
| Employer contribution / active EE | $3,628 | $4,216-13.9% | $3,870-6.2% | $4,662-22.2% |
| Participant deferral / active EE | $8,080 | $5,622+43.7% | $5,060+59.7% | $6,690+20.8% |
| Admin fee / account holder | $1,067 | $9,745-89.1% | $8,388-87.3% | $13,392-92.0% |