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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 | $216,851 | $185,312+17.0% | $161,489+34.3% | $154,746+40.1% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 20.90% | 103.84%-82.9pp | 89.72%-68.8pp | 172.34%-151.4pp |
| Employer contribution / active EE | $2,852 | $4,769-40.2% | $4,268-33.2% | $4,379-34.9% |
| Participant deferral / active EE | $23,778 | $6,350+274.5% | $5,630+322.4% | $6,730+253.3% |
| Admin fee / account holder | $5,429 | $18,654-70.9% | $16,006-66.1% | $14,365-62.2% |