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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 | $213,972 | $172,111+24.3% | $150,298+42.4% | $137,256+55.9% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 16.65% | 69.37%-52.7pp | 62.79%-46.1pp | 220.34%-203.7pp |
| Employer contribution / active EE | $1,503 | $4,636-67.6% | $4,154-63.8% | $4,156-63.8% |
| Participant deferral / active EE | $12,133 | $6,166+96.8% | $5,453+122.5% | $6,407+89.4% |
| Admin fee / account holder | $1,786 | $16,471-89.2% | $14,116-87.3% | $12,270-85.4% |