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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 | $193,623 | $57,590+236.2% | $86,233+124.5% | $82,448+134.8% |
| Participation rate | 78.6% | 57.9%+20.7pp | 69.0%+9.6pp | 68.1%+10.5pp |
| Annual return | 15.97% | 22.41%-6.4pp | 61.39%-45.4pp | 41.64%-25.7pp |
| Employer contribution / active EE | $4,141 | $1,655+150.2% | $2,504+65.3% | $2,551+62.3% |
| Participant deferral / active EE | $7,431 | $3,080+141.3% | $4,559+63.0% | $4,139+79.5% |
| Admin fee / account holder | $10,725 | $4,730+126.7% | $8,342+28.6% | $7,234+48.2% |