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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 | $210,896 | $182,442+15.6% | $163,379+29.1% | $138,895+51.8% |
| Participation rate | 83.3% | 79.8%+3.6pp | 76.8%+6.5pp | 79.9%+3.4pp |
| Annual return | 10.33% | 72.74%-62.4pp | 63.41%-53.1pp | 145.39%-135.1pp |
| Employer contribution / active EE | $1,573 | $4,159-62.2% | $3,752-58.1% | $4,194-62.5% |
| Participant deferral / active EE | $12,567 | $6,817+84.3% | $6,282+100.1% | $6,396+96.5% |
| Admin fee / account holder | $6,738 | $10,396-35.2% | $9,818-31.4% | $12,562-46.4% |