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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 | $205,898 | $103,393+99.1% | $87,103+136.4% | $152,909+34.7% |
| Participation rate | 95.2% | 79.4%+15.9pp | 76.9%+18.4pp | 82.5%+12.8pp |
| Annual return | 20.80% | 28.10%-7.3pp | 28.19%-7.4pp | 345.46%-324.7pp |
| Employer contribution / active EE | $7,472 | $3,221+132.0% | $2,521+196.3% | $4,764+56.9% |
| Participant deferral / active EE | $5,143 | $4,778+7.6% | $4,049+27.0% | $5,851-12.1% |
| Admin fee / account holder | $1,135 | $12,195-90.7% | $7,491-84.8% | $11,601-90.2% |