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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 | $181,726 | $185,312-1.9% | $161,489+12.5% | $154,746+17.4% |
| Participation rate | 88.2% | 82.5%+5.8pp | 78.7%+9.5pp | 80.7%+7.5pp |
| Annual return | 36.62% | 103.84%-67.2pp | 89.72%-53.1pp | 172.34%-135.7pp |
| Employer contribution / active EE | $6,477 | $4,769+35.8% | $4,268+51.7% | $4,379+47.9% |
| Participant deferral / active EE | $8,692 | $6,350+36.9% | $5,630+54.4% | $6,730+29.1% |
| Admin fee / account holder | $7,265 | $18,654-61.1% | $16,006-54.6% | $14,365-49.4% |