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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 | $171,360 | $87,166+96.6% | $76,735+123.3% | $137,256+24.8% |
| Participation rate | 76.9% | 74.4%+2.6pp | 69.5%+7.4pp | 80.0%-3.0pp |
| Annual return | 11.84% | 26.50%-14.7pp | 29.77%-17.9pp | 220.34%-208.5pp |
| Employer contribution / active EE | $3,498 | $2,904+20.4% | $2,454+42.5% | $4,156-15.8% |
| Participant deferral / active EE | $10,260 | $4,726+117.1% | $4,088+151.0% | $6,407+60.1% |
| Admin fee / account holder | $36,215 | $8,403+331.0% | $7,189+403.7% | $12,270+195.1% |