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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 | $185,072 | $112,729+64.2% | $98,716+87.5% | $137,256+34.8% |
| Participation rate | 81.8% | 74.2%+7.6pp | 69.3%+12.5pp | 80.0%+1.9pp |
| Annual return | 19.29% | 38.48%-19.2pp | 31.81%-12.5pp | 220.34%-201.0pp |
| Employer contribution / active EE | $14,672 | $2,725+438.4% | $2,279+543.9% | $4,156+253.0% |
| Participant deferral / active EE | $5,369 | $4,640+15.7% | $4,048+32.7% | $6,407-16.2% |
| Admin fee / account holder | $2,394 | $10,129-76.4% | $8,703-72.5% | $12,270-80.5% |