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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 | $187,080 | $116,203+61.0% | $93,621+99.8% | $152,897+22.4% |
| Participation rate | 86.4% | 78.1%+8.3pp | 75.8%+10.5pp | 82.5%+3.9pp |
| Annual return | 19.70% | 35.96%-16.3pp | 32.76%-13.1pp | 345.43%-325.7pp |
| Employer contribution / active EE | $2,640 | $3,219-18.0% | $2,719-2.9% | $4,764-44.6% |
| Participant deferral / active EE | $5,998 | $4,605+30.3% | $4,070+47.4% | $5,851+2.5% |
| Admin fee / account holder | $22,545 | $10,751+109.7% | $7,890+185.7% | $11,599+94.4% |