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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 | $205,218 | $227,566-9.8% | $189,558+8.3% | $167,518+22.5% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.5%-3.5pp | 82.1%-7.1pp |
| Annual return | 20.56% | 78.43%-57.9pp | 64.19%-43.6pp | 478.71%-458.1pp |
| Employer contribution / active EE | $6,834 | $5,316+28.6% | $4,412+54.9% | $4,838+41.2% |
| Participant deferral / active EE | $5,345 | $7,002-23.7% | $6,174-13.4% | $6,342-15.7% |
| Admin fee / account holder | $3,350 | $11,881-71.8% | $9,809-65.8% | $12,312-72.8% |