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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 | $170,660 | $86,288+97.8% | $111,306+53.3% | $85,851+98.8% |
| Participation rate | 76.0% | 73.3%+2.7pp | 77.3%-1.3pp | 69.3%+6.7pp |
| Annual return | 12.90% | 19.99%-7.1pp | 54.67%-41.8pp | 318.63%-305.7pp |
| Employer contribution / active EE | $2,827 | $2,044+38.4% | $2,732+3.5% | $2,565+10.2% |
| Participant deferral / active EE | $8,368 | $3,641+129.8% | $4,488+86.5% | $3,952+111.7% |
| Admin fee / account holder | $5,640 | $8,189-31.1% | $7,966-29.2% | $6,261-9.9% |