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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 | $206,650 | $142,426+45.1% | $115,167+79.4% | $152,909+35.1% |
| Participation rate | 91.7% | 82.4%+9.3pp | 75.9%+15.8pp | 82.5%+9.2pp |
| Annual return | 22.51% | 41.48%-19.0pp | 35.60%-13.1pp | 345.46%-323.0pp |
| Employer contribution / active EE | $3,595 | $4,011-10.4% | $3,179+13.1% | $4,764-24.5% |
| Participant deferral / active EE | $7,872 | $5,165+52.4% | $4,169+88.8% | $5,851+34.5% |
| Admin fee / account holder | $6,130 | $8,464-27.6% | $7,089-13.5% | $11,601-47.2% |