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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 | $205,087 | $88,672+131.3% | $105,223+94.9% | $82,448+148.7% |
| Participation rate | 78.8% | 67.9%+10.9pp | 75.0%+3.7pp | 68.1%+10.7pp |
| Annual return | 16.85% | 30.86%-14.0pp | 180.65%-163.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,272 | $3,048-25.4% | $3,689-38.4% | $2,551-10.9% |
| Participant deferral / active EE | $9,931 | $4,036+146.1% | $5,072+95.8% | $4,139+139.9% |
| Admin fee / account holder | $7,418 | $7,146+3.8% | $8,859-16.3% | $7,234+2.5% |