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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 | $93,345+119.7% | $119,126+72.2% | $87,485+134.4% |
| Participation rate | 78.8% | 68.7%+10.0pp | 75.8%+3.0pp | 68.9%+9.9pp |
| Annual return | 16.85% | 19.08%-2.2pp | 282.11%-265.3pp | 26.06%-9.2pp |
| Employer contribution / active EE | $2,272 | $3,172-28.3% | $4,034-43.7% | $2,596-12.5% |
| Participant deferral / active EE | $9,931 | $4,099+142.3% | $5,318+86.7% | $4,274+132.4% |
| Admin fee / account holder | $7,418 | $8,039-7.7% | $10,693-30.6% | $7,775-4.6% |