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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 | $247,224 | $124,980+97.8% | $108,359+128.2% | $154,746+59.8% |
| Participation rate | 90.0% | 75.2%+14.8pp | 70.1%+19.9pp | 80.7%+9.3pp |
| Annual return | 19.35% | 45.00%-25.7pp | 36.89%-17.5pp | 172.34%-153.0pp |
| Employer contribution / active EE | $14,274 | $2,851+400.8% | $2,399+494.9% | $4,379+226.0% |
| Participant deferral / active EE | $11,432 | $4,743+141.0% | $4,137+176.3% | $6,730+69.9% |
| Admin fee / account holder | $1,494 | $11,502-87.0% | $9,741-84.7% | $14,365-89.6% |