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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 | $243,670 | $117,859+106.7% | $102,438+137.9% | $145,959+66.9% |
| Participation rate | 92.9% | 78.6%+14.3pp | 76.5%+16.4pp | 80.3%+12.6pp |
| Annual return | 14.85% | 31.72%-16.9pp | 29.37%-14.5pp | 561.95%-547.1pp |
| Employer contribution / active EE | $1,996 | $3,615-44.8% | $3,024-34.0% | $4,661-57.2% |
| Participant deferral / active EE | $6,157 | $5,732+7.4% | $5,054+21.8% | $6,689-7.9% |
| Admin fee / account holder | $5,346 | $13,318-59.9% | $9,448-43.4% | $13,398-60.1% |