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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 | $182,481 | $98,240+85.8% | $82,312+121.7% | $147,586+23.6% |
| Participation rate | 85.7% | 79.7%+6.0pp | 76.9%+8.8pp | 82.8%+2.9pp |
| Annual return | 12.57% | 30.85%-18.3pp | 25.88%-13.3pp | 578.59%-566.0pp |
| Employer contribution / active EE | $3,314 | $3,192+3.8% | $2,428+36.5% | $4,876-32.0% |
| Participant deferral / active EE | $6,687 | $4,383+52.6% | $3,706+80.4% | $5,439+22.9% |
| Admin fee / account holder | $3,067 | $8,563-64.2% | $5,608-45.3% | $10,886-71.8% |