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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 | $228,053 | $117,829+93.5% | $102,423+122.7% | $145,877+56.3% |
| Participation rate | 91.7% | 78.6%+13.1pp | 76.5%+15.2pp | 80.3%+11.4pp |
| Annual return | 10.67% | 31.83%-21.2pp | 29.42%-18.8pp | 551.28%-540.6pp |
| Employer contribution / active EE | $3,244 | $3,615-10.3% | $3,023+7.3% | $4,663-30.4% |
| Participant deferral / active EE | $10,006 | $5,732+74.5% | $5,054+98.0% | $6,691+49.5% |
| Admin fee / account holder | $3,642 | $13,335-72.7% | $9,455-61.5% | $13,402-72.8% |