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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 | $176,653 | $78,670+124.5% | $109,173+61.8% | $85,847+105.8% |
| Participation rate | 71.4% | 68.3%+3.2pp | 75.9%-4.5pp | 69.3%+2.1pp |
| Annual return | 18.53% | 25.09%-6.6pp | 25.75%-7.2pp | 318.61%-300.1pp |
| Employer contribution / active EE | $4,067 | $2,734+48.8% | $3,723+9.2% | $2,565+58.5% |
| Participant deferral / active EE | $9,958 | $3,467+187.2% | $4,654+114.0% | $3,952+152.0% |
| Admin fee / account holder | $5,227 | $5,469-4.4% | $6,755-22.6% | $6,261-16.5% |