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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 | $174,598 | $104,709+66.7% | $85,705+103.7% | $167,553+4.2% |
| Participation rate | 77.3% | 76.4%+0.9pp | 69.9%+7.4pp | 82.1%-4.8pp |
| Annual return | 14.33% | 21.45%-7.1pp | 21.49%-7.2pp | 478.89%-464.6pp |
| Employer contribution / active EE | $3,897 | $3,338+16.8% | $2,619+48.8% | $4,840-19.5% |
| Participant deferral / active EE | $5,076 | $4,827+5.2% | $3,924+29.4% | $6,343-20.0% |
| Admin fee / account holder | $4,659 | $10,036-53.6% | $6,877-32.3% | $12,316-62.2% |