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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 | $208,146 | $76,407+172.4% | $150,298+38.5% | $82,448+152.5% |
| Participation rate | 80.6% | 66.4%+14.2pp | 77.8%+2.8pp | 68.1%+12.5pp |
| Annual return | 15.52% | 39.99%-24.5pp | 62.79%-47.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,651 | $2,614+1.4% | $4,154-36.2% | $2,551+3.9% |
| Participant deferral / active EE | $10,798 | $3,214+235.9% | $5,453+98.0% | $4,139+160.9% |
| Admin fee / account holder | $2,472 | $6,352-61.1% | $14,116-82.5% | $7,234-65.8% |