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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 | $223,237 | $106,918+108.8% | $84,021+165.7% | $152,897+46.0% |
| Participation rate | 71.4% | 75.2%-3.8pp | 69.0%+2.4pp | 82.5%-11.0pp |
| Annual return | 21.65% | 105.01%-83.4pp | 71.32%-49.7pp | 345.43%-323.8pp |
| Employer contribution / active EE | $1,237 | $2,735-54.8% | $1,984-37.6% | $4,764-74.0% |
| Participant deferral / active EE | $4,226 | $4,012+5.3% | $3,239+30.5% | $5,851-27.8% |
| Admin fee / account holder | $5,740 | $8,288-30.7% | $6,102-5.9% | $11,599-50.5% |