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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 | $173,921 | $197,637-12.0% | $177,848-2.2% | $158,982+9.4% |
| Participation rate | 91.3% | 88.5%+2.8pp | 87.7%+3.6pp | 82.0%+9.3pp |
| Annual return | 14.10% | 58.77%-44.7pp | 48.33%-34.2pp | 302.99%-288.9pp |
| Employer contribution / active EE | $2,174 | $6,698-67.5% | $5,919-63.3% | $4,763-54.4% |
| Participant deferral / active EE | $4,836 | $8,405-42.5% | $7,714-37.3% | $5,983-19.2% |
| Admin fee / account holder | $1,448 | $15,406-90.6% | $12,431-88.3% | $11,252-87.1% |