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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 | $179,312 | $96,524+85.8% | $75,900+136.2% | $152,909+17.3% |
| Participation rate | 77.8% | 76.2%+1.6pp | 69.3%+8.5pp | 82.5%-4.7pp |
| Annual return | 18.58% | 33.93%-15.4pp | 30.73%-12.2pp | 345.46%-326.9pp |
| Employer contribution / active EE | $2,576 | $3,311-22.2% | $2,501+3.0% | $4,764-45.9% |
| Participant deferral / active EE | $5,488 | $4,554+20.5% | $3,604+52.3% | $5,851-6.2% |
| Admin fee / account holder | $32,923 | $8,082+307.4% | $5,421+507.3% | $11,601+183.8% |