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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 | $170,193 | $99,994+70.2% | $146,647+16.1% | $85,851+98.2% |
| Participation rate | 84.4% | 73.1%+11.3pp | 80.1%+4.3pp | 69.3%+15.1pp |
| Annual return | 12.94% | 18.93%-6.0pp | 22.75%-9.8pp | 318.63%-305.7pp |
| Employer contribution / active EE | $3,207 | $2,559+25.3% | $4,137-22.5% | $2,565+25.0% |
| Participant deferral / active EE | $8,503 | $4,006+112.3% | $5,506+54.4% | $3,952+115.1% |
| Admin fee / account holder | $3,698 | $7,703-52.0% | $10,281-64.0% | $6,261-40.9% |