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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 | $223,872 | $162,821+37.5% | $133,978+67.1% | $158,982+40.8% |
| Participation rate | 84.2% | 83.2%+1.0pp | 79.8%+4.4pp | 82.0%+2.2pp |
| Annual return | 14.36% | 41.95%-27.6pp | 45.10%-30.7pp | 302.99%-288.6pp |
| Employer contribution / active EE | $4,964 | $4,976-0.2% | $3,919+26.7% | $4,763+4.2% |
| Participant deferral / active EE | $9,973 | $5,910+68.7% | $5,047+97.6% | $5,983+66.7% |
| Admin fee / account holder | $1,843 | $11,742-84.3% | $8,930-79.4% | $11,252-83.6% |