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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 | $209,911 | $129,737+61.8% | $119,126+76.2% | $154,746+35.6% |
| Participation rate | 87.5% | 78.9%+8.6pp | 75.8%+11.7pp | 80.7%+6.8pp |
| Annual return | 13.28% | 379.08%-365.8pp | 282.11%-268.8pp | 172.34%-159.1pp |
| Employer contribution / active EE | $8,089 | $4,375+84.9% | $4,034+100.5% | $4,379+84.7% |
| Participant deferral / active EE | $9,206 | $5,842+57.6% | $5,318+73.1% | $6,730+36.8% |
| Admin fee / account holder | $23,989 | $11,961+100.6% | $10,693+124.3% | $14,365+67.0% |