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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 | $195,951 | $111,814+75.2% | $103,374+89.6% | $145,959+34.3% |
| Participation rate | 92.9% | 77.9%+14.9pp | 74.5%+18.3pp | 80.3%+12.6pp |
| Annual return | 10.36% | 24.77%-14.4pp | 24.89%-14.5pp | 561.95%-551.6pp |
| Employer contribution / active EE | $3,610 | $4,214-14.3% | $3,869-6.7% | $4,661-22.5% |
| Participant deferral / active EE | $6,302 | $5,618+12.2% | $5,058+24.6% | $6,689-5.8% |
| Admin fee / account holder | $34,543 | $9,754+254.1% | $8,394+311.5% | $13,398+157.8% |