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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 | $196,647 | $165,381+18.9% | $149,730+31.3% | $158,966+23.7% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 12.75% | 348.29%-335.5pp | 276.70%-264.0pp | 302.95%-290.2pp |
| Employer contribution / active EE | $1,648 | $5,104-67.7% | $4,645-64.5% | $4,762-65.4% |
| Participant deferral / active EE | $5,753 | $7,182-19.9% | $6,843-15.9% | $5,983-3.8% |
| Admin fee / account holder | $989 | $10,809-90.9% | $9,310-89.4% | $11,250-91.2% |