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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 | $220,844 | $185,312+19.2% | $161,489+36.8% | $154,746+42.7% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 20.33% | 103.84%-83.5pp | 89.72%-69.4pp | 172.34%-152.0pp |
| Employer contribution / active EE | $12,906 | $4,769+170.6% | $4,268+202.4% | $4,379+194.7% |
| Participant deferral / active EE | $9,215 | $6,350+45.1% | $5,630+63.7% | $6,730+36.9% |
| Admin fee / account holder | $9,776 | $18,654-47.6% | $16,006-38.9% | $14,365-31.9% |