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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 | $203,656 | $143,969+41.5% | $199,883+1.9% | $82,637+146.4% |
| Participation rate | 83.3% | 84.1%-0.8pp | 86.8%-3.4pp | 68.1%+15.3pp |
| Annual return | 17.41% | 25.67%-8.3pp | 43.81%-26.4pp | 53.51%-36.1pp |
| Employer contribution / active EE | $10,642 | $4,632+129.7% | $6,261+70.0% | $2,552+317.0% |
| Participant deferral / active EE | $15,739 | $6,937+126.9% | $9,138+72.2% | $4,126+281.4% |
| Admin fee / account holder | $10,986 | $14,597-24.7% | $17,268-36.4% | $7,339+49.7% |