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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 | $243,079 | $87,166+178.9% | $76,735+216.8% | $137,256+77.1% |
| Participation rate | 90.9% | 74.4%+16.6pp | 69.5%+21.4pp | 80.0%+10.9pp |
| Annual return | 17.51% | 26.50%-9.0pp | 29.77%-12.3pp | 220.34%-202.8pp |
| Employer contribution / active EE | $6,246 | $2,904+115.1% | $2,454+154.5% | $4,156+50.3% |
| Participant deferral / active EE | $13,661 | $4,726+189.0% | $4,088+234.2% | $6,407+113.2% |
| Admin fee / account holder | $8,526 | $8,403+1.5% | $7,189+18.6% | $12,270-30.5% |