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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 | $247,499 | $149,741+65.3% | $118,914+108.1% | $158,982+55.7% |
| Participation rate | 91.7% | 82.1%+9.5pp | 75.4%+16.3pp | 82.0%+9.7pp |
| Annual return | 15.03% | 19.94%-4.9pp | 35.89%-20.9pp | 302.99%-288.0pp |
| Employer contribution / active EE | $3,473 | $4,119-15.7% | $3,264+6.4% | $4,763-27.1% |
| Participant deferral / active EE | $7,949 | $5,226+52.1% | $4,266+86.4% | $5,983+32.9% |
| Admin fee / account holder | $846 | $8,607-90.2% | $6,582-87.1% | $11,252-92.5% |