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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 | $151,229 | $93,345+62.0% | $119,126+26.9% | $87,485+72.9% |
| Participation rate | 72.4% | 68.7%+3.7pp | 75.8%-3.3pp | 68.9%+3.5pp |
| Annual return | 17.13% | 19.08%-2.0pp | 282.11%-265.0pp | 26.06%-8.9pp |
| Employer contribution / active EE | $2,859 | $3,172-9.9% | $4,034-29.1% | $2,596+10.1% |
| Participant deferral / active EE | $5,435 | $4,099+32.6% | $5,318+2.2% | $4,274+27.2% |
| Admin fee / account holder | $17,712 | $8,039+120.3% | $10,693+65.6% | $7,775+127.8% |