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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 | $196,914 | $106,247+85.3% | $96,515+104.0% | $139,466+41.2% |
| Participation rate | 85.7% | 77.8%+7.9pp | 74.3%+11.4pp | 80.3%+5.4pp |
| Annual return | 14.58% | 38.47%-23.9pp | 35.73%-21.1pp | 373.66%-359.1pp |
| Employer contribution / active EE | $8,986 | $4,106+118.9% | $3,740+140.3% | $4,754+89.0% |
| Participant deferral / active EE | $9,031 | $5,456+65.5% | $4,880+85.1% | $6,712+34.5% |
| Admin fee / account holder | $3,451 | $7,885-56.2% | $6,735-48.8% | $11,409-69.8% |