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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 | $206,052 | $106,280+93.9% | $96,538+113.4% | $139,487+47.7% |
| Participation rate | 72.7% | 77.8%-5.1pp | 74.3%-1.6pp | 80.3%-7.6pp |
| Annual return | 14.66% | 38.48%-23.8pp | 35.74%-21.1pp | 373.84%-359.2pp |
| Employer contribution / active EE | $4,501 | $4,107+9.6% | $3,740+20.3% | $4,755-5.3% |
| Participant deferral / active EE | $13,581 | $5,457+148.9% | $4,880+178.3% | $6,713+102.3% |
| Admin fee / account holder | $3,290 | $7,888-58.3% | $6,737-51.2% | $11,407-71.2% |