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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 | $207,923 | $124,980+66.4% | $108,359+91.9% | $154,746+34.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 14.08% | 45.00%-30.9pp | 36.89%-22.8pp | 172.34%-158.3pp |
| Employer contribution / active EE | $1,661 | $2,851-41.7% | $2,399-30.8% | $4,379-62.1% |
| Participant deferral / active EE | $11,417 | $4,743+140.7% | $4,137+176.0% | $6,730+69.6% |
| Admin fee / account holder | $2,260 | $11,502-80.4% | $9,741-76.8% | $14,365-84.3% |