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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 | $184,815 | $103,392+78.8% | $87,104+112.2% | $152,897+20.9% |
| Participation rate | 85.0% | 79.4%+5.6pp | 76.9%+8.1pp | 82.5%+2.5pp |
| Annual return | 23.27% | 28.10%-4.8pp | 28.19%-4.9pp | 345.43%-322.2pp |
| Employer contribution / active EE | $2,243 | $3,221-30.4% | $2,521-11.1% | $4,764-52.9% |
| Participant deferral / active EE | $6,329 | $4,778+32.4% | $4,048+56.3% | $5,851+8.2% |
| Admin fee / account holder | $6,581 | $12,194-46.0% | $7,491-12.1% | $11,599-43.3% |