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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 | $170,777 | $106,247+60.7% | $96,515+76.9% | $139,466+22.5% |
| Participation rate | 80.0% | 77.8%+2.2pp | 74.3%+5.7pp | 80.3%-0.3pp |
| Annual return | 15.65% | 38.47%-22.8pp | 35.73%-20.1pp | 373.66%-358.0pp |
| Employer contribution / active EE | $17,970 | $4,106+337.7% | $3,740+380.5% | $4,754+278.0% |
| Participant deferral / active EE | $2,071 | $5,456-62.0% | $4,880-57.6% | $6,712-69.2% |
| Admin fee / account holder | $6,651 | $7,885-15.7% | $6,735-1.3% | $11,409-41.7% |