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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 | $205,792 | $112,729+82.6% | $98,716+108.5% | $137,256+49.9% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.3%+8.5pp | 80.0%-2.2pp |
| Annual return | 15.02% | 38.48%-23.5pp | 31.81%-16.8pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,302 | $2,725-52.2% | $2,279-42.9% | $4,156-68.7% |
| Participant deferral / active EE | $3,939 | $4,640-15.1% | $4,048-2.7% | $6,407-38.5% |
| Admin fee / account holder | $2,308 | $10,129-77.2% | $8,703-73.5% | $12,270-81.2% |