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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 | $185,446 | $183,592+1.0% | $155,574+19.2% | $145,877+27.1% |
| Participation rate | 72.7% | 82.7%-10.0pp | 78.2%-5.5pp | 80.3%-7.6pp |
| Annual return | 16.48% | 61.37%-44.9pp | 64.87%-48.4pp | 551.28%-534.8pp |
| Employer contribution / active EE | $3,817 | $5,317-28.2% | $4,676-18.4% | $4,663-18.1% |
| Participant deferral / active EE | $5,802 | $6,466-10.3% | $5,629+3.1% | $6,691-13.3% |
| Admin fee / account holder | $13,462 | $19,316-30.3% | $15,914-15.4% | $13,402+0.4% |