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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 | $208,487 | $107,809+93.4% | $97,032+114.9% | $155,188+34.3% |
| Participation rate | 88.9% | 75.5%+13.4pp | 71.6%+17.3pp | 80.8%+8.1pp |
| Annual return | 13.20% | 38.06%-24.9pp | 35.38%-22.2pp | 148.84%-135.6pp |
| Employer contribution / active EE | $4,740 | $2,911+62.8% | $2,629+80.3% | $4,248+11.6% |
| Participant deferral / active EE | $10,477 | $5,129+104.3% | $4,672+124.2% | $6,531+60.4% |
| Admin fee / account holder | $13,326 | $10,717+24.3% | $9,418+41.5% | $14,480-8.0% |