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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 | $167,066 | $87,166+91.7% | $76,735+117.7% | $137,256+21.7% |
| Participation rate | 71.4% | 74.4%-2.9pp | 69.5%+1.9pp | 80.0%-8.5pp |
| Annual return | 15.52% | 26.50%-11.0pp | 29.77%-14.2pp | 220.34%-204.8pp |
| Employer contribution / active EE | $11,772 | $2,904+305.3% | $2,454+379.7% | $4,156+183.3% |
| Participant deferral / active EE | $9,531 | $4,726+101.7% | $4,088+133.2% | $6,407+48.8% |
| Admin fee / account holder | $2,091 | $8,403-75.1% | $7,189-70.9% | $12,270-83.0% |