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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 | $216,399 | $124,330+74.1% | $109,173+98.2% | $167,536+29.2% |
| Participation rate | 90.9% | 79.5%+11.5pp | 75.9%+15.0pp | 82.1%+8.8pp |
| Annual return | 15.70% | 26.04%-10.3pp | 25.75%-10.1pp | 478.82%-463.1pp |
| Employer contribution / active EE | $1,504 | $4,209-64.3% | $3,723-59.6% | $4,839-68.9% |
| Participant deferral / active EE | $4,335 | $5,256-17.5% | $4,654-6.8% | $6,342-31.6% |
| Admin fee / account holder | $10,745 | $7,974+34.8% | $6,755+59.1% | $12,315-12.7% |