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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 | $195,656 | $110,278+77.4% | $95,740+104.4% | $139,466+40.3% |
| Participation rate | 87.5% | 75.7%+11.8pp | 72.3%+15.2pp | 80.3%+7.2pp |
| Annual return | 10.84% | 27.19%-16.3pp | 28.41%-17.6pp | 373.66%-362.8pp |
| Employer contribution / active EE | $1,148 | $3,260-64.8% | $2,836-59.5% | $4,754-75.9% |
| Participant deferral / active EE | $3,319 | $4,674-29.0% | $4,244-21.8% | $6,712-50.6% |
| Admin fee / account holder | $3,707 | $6,613-43.9% | $5,676-34.7% | $11,409-67.5% |