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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 | $185,858 | $91,559+103.0% | $133,978+38.7% | $79,856+132.7% |
| Participation rate | 81.6% | 73.3%+8.2pp | 79.8%+1.7pp | 69.6%+11.9pp |
| Annual return | 17.22% | 61.85%-44.6pp | 45.10%-27.9pp | 31.71%-14.5pp |
| Employer contribution / active EE | $2,006 | $2,384-15.9% | $3,919-48.8% | $2,471-18.8% |
| Participant deferral / active EE | $5,997 | $3,734+60.6% | $5,047+18.8% | $3,741+60.3% |
| Admin fee / account holder | $2,566 | $6,321-59.4% | $8,930-71.3% | $5,306-51.6% |