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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 | $208,104 | $110,410+88.5% | $102,437+103.2% | $145,897+42.6% |
| Participation rate | 78.3% | 77.9%+0.3pp | 74.5%+3.8pp | 80.3%-2.0pp |
| Annual return | 13.99% | 24.85%-10.9pp | 24.95%-11.0pp | 552.29%-538.3pp |
| Employer contribution / active EE | $1,217 | $4,217-71.1% | $3,871-68.5% | $4,663-73.9% |
| Participant deferral / active EE | $5,045 | $5,622-10.3% | $5,060-0.3% | $6,689-24.6% |
| Admin fee / account holder | $8,087 | $9,745-17.0% | $8,388-3.6% | $13,390-39.6% |