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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 | $175,858 | $98,776+78.0% | $149,745+17.4% | $79,856+120.2% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.5%-2.5pp | 69.6%+10.4pp |
| Annual return | 15.54% | 27.38%-11.8pp | 276.72%-261.2pp | 31.71%-16.2pp |
| Employer contribution / active EE | $1,465 | $3,217-54.5% | $4,646-68.5% | $2,471-40.7% |
| Participant deferral / active EE | $9,400 | $5,681+65.4% | $6,843+37.4% | $3,741+151.3% |
| Admin fee / account holder | $3,392 | $6,053-44.0% | $9,312-63.6% | $5,306-36.1% |