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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 | $230,219 | $118,708+93.9% | $98,920+132.7% | $158,982+44.8% |
| Participation rate | 75.0% | 77.8%-2.8pp | 76.0%-1.0pp | 82.0%-7.0pp |
| Annual return | 16.19% | 372.49%-356.3pp | 196.47%-180.3pp | 302.99%-286.8pp |
| Employer contribution / active EE | $2,951 | $3,334-11.5% | $2,689+9.7% | $4,763-38.1% |
| Participant deferral / active EE | $5,913 | $5,089+16.2% | $4,245+39.3% | $5,983-1.2% |
| Admin fee / account holder | $2,334 | $10,134-77.0% | $6,643-64.9% | $11,252-79.3% |