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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 | $205,661 | $100,073+105.5% | $85,126+141.6% | $145,877+41.0% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 11.96% | 84.11%-72.1pp | 66.63%-54.7pp | 551.28%-539.3pp |
| Employer contribution / active EE | $2,046 | $3,236-36.8% | $2,731-25.1% | $4,663-56.1% |
| Participant deferral / active EE | $5,644 | $5,294+6.6% | $4,523+24.8% | $6,691-15.6% |
| Admin fee / account holder | $903 | $7,261-87.6% | $6,160-85.3% | $13,402-93.3% |