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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 | $229,378 | $112,729+103.5% | $98,716+132.4% | $137,256+67.1% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 15.75% | 38.48%-22.7pp | 31.81%-16.1pp | 220.34%-204.6pp |
| Employer contribution / active EE | $652 | $2,725-76.1% | $2,279-71.4% | $4,156-84.3% |
| Participant deferral / active EE | $18,243 | $4,640+293.2% | $4,048+350.7% | $6,407+184.7% |
| Admin fee / account holder | $5,265 | $10,129-48.0% | $8,703-39.5% | $12,270-57.1% |