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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 | $244,114 | $124,425+96.2% | $112,040+117.9% | $137,256+77.9% |
| Participation rate | 84.6% | 79.3%+5.3pp | 76.5%+8.1pp | 80.0%+4.7pp |
| Annual return | 18.72% | 24.72%-6.0pp | 24.52%-5.8pp | 220.34%-201.6pp |
| Employer contribution / active EE | $6,985 | $3,411+104.8% | $2,954+136.5% | $4,156+68.1% |
| Participant deferral / active EE | $9,470 | $5,718+65.6% | $5,098+85.8% | $6,407+47.8% |
| Admin fee / account holder | $1,249 | $15,207-91.8% | $12,098-89.7% | $12,270-89.8% |