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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 | $191,658 | $124,346+54.1% | $111,308+72.2% | $167,536+14.4% |
| Participation rate | 80.0% | 79.6%+0.4pp | 77.3%+2.7pp | 82.1%-2.1pp |
| Annual return | 13.71% | 37.45%-23.7pp | 54.67%-41.0pp | 478.82%-465.1pp |
| Employer contribution / active EE | $1,642 | $3,437-52.2% | $2,732-39.9% | $4,839-66.1% |
| Participant deferral / active EE | $11,960 | $5,182+130.8% | $4,487+166.5% | $6,342+88.6% |
| Admin fee / account holder | $3,312 | $10,621-68.8% | $7,965-58.4% | $12,315-73.1% |