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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 | $168,452 | $148,629+13.3% | $135,982+23.9% | $139,487+20.8% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 20.35% | 79.33%-59.0pp | 68.32%-48.0pp | 373.84%-353.5pp |
| Employer contribution / active EE | $3,224 | $5,247-38.5% | $4,859-33.6% | $4,755-32.2% |
| Participant deferral / active EE | $4,233 | $8,102-47.8% | $7,760-45.5% | $6,713-36.9% |
| Admin fee / account holder | $662 | $12,406-94.7% | $10,767-93.9% | $11,407-94.2% |