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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 | $200,413 | $116,203+72.5% | $93,621+114.1% | $152,909+31.1% |
| Participation rate | 78.9% | 78.1%+0.9pp | 75.8%+3.1pp | 82.5%-3.5pp |
| Annual return | 17.87% | 35.96%-18.1pp | 32.76%-14.9pp | 345.46%-327.6pp |
| Employer contribution / active EE | $10,963 | $3,219+240.6% | $2,719+303.3% | $4,764+130.1% |
| Participant deferral / active EE | $2,842 | $4,605-38.3% | $4,070-30.2% | $5,851-51.4% |
| Admin fee / account holder | $940 | $10,751-91.3% | $7,890-88.1% | $11,601-91.9% |