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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 | $232,785 | $91,198+155.3% | $178,503+30.4% | $79,856+191.5% |
| Participation rate | 84.6% | 69.2%+15.4pp | 81.9%+2.7pp | 69.6%+15.0pp |
| Annual return | 13.42% | 24.20%-10.8pp | 151.12%-137.7pp | 31.71%-18.3pp |
| Employer contribution / active EE | $9,526 | $3,257+192.5% | $5,011+90.1% | $2,471+285.5% |
| Participant deferral / active EE | $7,860 | $3,237+142.9% | $5,202+51.1% | $3,741+110.1% |
| Admin fee / account holder | $10,287 | $6,748+52.4% | $13,987-26.5% | $5,306+93.9% |