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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 | $196,459 | $66,431+195.7% | $109,916+78.7% | $85,851+128.8% |
| Participation rate | 86.5% | 63.9%+22.6pp | 74.2%+12.3pp | 69.3%+17.2pp |
| Annual return | 12.83% | 19.59%-6.8pp | 29.46%-16.6pp | 318.63%-305.8pp |
| Employer contribution / active EE | $1,694 | $1,688+0.3% | $2,844-40.5% | $2,565-34.0% |
| Participant deferral / active EE | $10,923 | $2,844+284.1% | $4,047+169.9% | $3,952+176.4% |
| Admin fee / account holder | $7,607 | $4,559+66.8% | $6,069+25.3% | $6,261+21.5% |