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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 | $165,869 | $116,203+42.7% | $93,621+77.2% | $152,909+8.5% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.8%+13.1pp | 82.5%+6.4pp |
| Annual return | 23.41% | 35.96%-12.5pp | 32.76%-9.3pp | 345.46%-322.0pp |
| Employer contribution / active EE | $3,698 | $3,219+14.9% | $2,719+36.0% | $4,764-22.4% |
| Participant deferral / active EE | $6,503 | $4,605+41.2% | $4,070+59.8% | $5,851+11.1% |
| Admin fee / account holder | $24,784 | $10,751+130.5% | $7,890+214.1% | $11,601+113.6% |