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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 | $231,516 | $172,111+34.5% | $150,298+54.0% | $137,256+68.7% |
| Participation rate | 82.4% | 81.7%+0.6pp | 77.8%+4.6pp | 80.0%+2.4pp |
| Annual return | 12.86% | 69.37%-56.5pp | 62.79%-49.9pp | 220.34%-207.5pp |
| Employer contribution / active EE | $2,800 | $4,636-39.6% | $4,154-32.6% | $4,156-32.6% |
| Participant deferral / active EE | $8,355 | $6,166+35.5% | $5,453+53.2% | $6,407+30.4% |
| Admin fee / account holder | $4,544 | $16,471-72.4% | $14,116-67.8% | $12,270-63.0% |