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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 | $246,197 | $101,950+141.5% | $125,529+96.1% | $86,983+183.0% |
| Participation rate | 84.6% | 70.2%+14.5pp | 74.7%+9.9pp | 69.5%+15.1pp |
| Annual return | 14.03% | 18.29%-4.3pp | 202.56%-188.5pp | 25.83%-11.8pp |
| Employer contribution / active EE | $1,335 | $2,358-43.4% | $3,058-56.3% | $2,584-48.3% |
| Participant deferral / active EE | $5,175 | $3,862+34.0% | $4,813+7.5% | $4,194+23.4% |
| Admin fee / account holder | $11,201 | $12,791-12.4% | $16,298-31.3% | $7,856+42.6% |