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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 | $223,333 | $182,442+22.4% | $163,379+36.7% | $138,895+60.8% |
| Participation rate | 83.3% | 79.8%+3.6pp | 76.8%+6.5pp | 79.9%+3.4pp |
| Annual return | 15.66% | 72.74%-57.1pp | 63.41%-47.7pp | 145.39%-129.7pp |
| Employer contribution / active EE | $2,753 | $4,159-33.8% | $3,752-26.6% | $4,194-34.4% |
| Participant deferral / active EE | $13,316 | $6,817+95.3% | $6,282+112.0% | $6,396+108.2% |
| Admin fee / account holder | $462 | $10,396-95.6% | $9,818-95.3% | $12,562-96.3% |