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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 | $231,136 | $114,013+102.7% | $103,693+122.9% | $155,188+48.9% |
| Participation rate | 77.8% | 75.2%+2.6pp | 72.6%+5.1pp | 80.8%-3.0pp |
| Annual return | 15.36% | 49.31%-33.9pp | 47.61%-32.2pp | 148.84%-133.5pp |
| Employer contribution / active EE | $2,916 | $3,131-6.9% | $2,920-0.1% | $4,248-31.3% |
| Participant deferral / active EE | $7,307 | $4,970+47.0% | $4,579+59.6% | $6,531+11.9% |
| Admin fee / account holder | $15,517 | $8,407+84.6% | $7,858+97.5% | $14,480+7.2% |