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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 | $206,105 | $182,442+13.0% | $163,379+26.2% | $138,895+48.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 18.85% | 72.74%-53.9pp | 63.41%-44.6pp | 145.39%-126.5pp |
| Employer contribution / active EE | $2,667 | $4,159-35.9% | $3,752-28.9% | $4,194-36.4% |
| Participant deferral / active EE | $20,800 | $6,817+205.1% | $6,282+231.1% | $6,396+225.2% |
| Admin fee / account holder | $793 | $10,396-92.4% | $9,818-91.9% | $12,562-93.7% |