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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 | $180,422 | $201,372-10.4% | $184,260-2.1% | $145,884+23.7% |
| Participation rate | 70.0% | 87.5%-17.5pp | 86.8%-16.8pp | 80.3%-10.3pp |
| Annual return | 13.81% | 29.04%-15.2pp | 28.84%-15.0pp | 551.85%-538.0pp |
| Employer contribution / active EE | $2,269 | $7,024-67.7% | $6,427-64.7% | $4,662-51.3% |
| Participant deferral / active EE | $10,329 | $9,808+5.3% | $9,133+13.1% | $6,690+54.4% |
| Admin fee / account holder | $31,258 | $16,362+91.0% | $13,898+124.9% | $13,392+133.4% |