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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 | $163,840 | $94,439+73.5% | $73,658+122.4% | $154,746+5.9% |
| Participation rate | 80.0% | 64.7%+15.3pp | 57.0%+23.0pp | 80.7%-0.7pp |
| Annual return | 19.37% | 28.25%-8.9pp | 29.72%-10.4pp | 172.34%-153.0pp |
| Employer contribution / active EE | $3,152 | $1,257+150.7% | $1,032+205.3% | $4,379-28.0% |
| Participant deferral / active EE | $14,615 | $2,527+478.4% | $2,062+608.8% | $6,730+117.2% |
| Admin fee / account holder | $1,187 | $3,843-69.1% | $3,357-64.6% | $14,365-91.7% |