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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 | $193,905 | $162,821+19.1% | $133,978+44.7% | $158,982+22.0% |
| Participation rate | 83.3% | 83.2%+0.1pp | 79.8%+3.5pp | 82.0%+1.4pp |
| Annual return | 15.62% | 41.95%-26.3pp | 45.10%-29.5pp | 302.99%-287.4pp |
| Employer contribution / active EE | $2,854 | $4,976-42.6% | $3,919-27.2% | $4,763-40.1% |
| Participant deferral / active EE | $5,606 | $5,910-5.1% | $5,047+11.1% | $5,983-6.3% |
| Admin fee / account holder | $1,321 | $11,742-88.8% | $8,930-85.2% | $11,252-88.3% |