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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 | $181,698 | $185,905-2.3% | $170,057+6.8% | $139,487+30.3% |
| Participation rate | 75.0% | 87.8%-12.8pp | 87.0%-12.0pp | 80.3%-5.3pp |
| Annual return | 13.28% | 60.56%-47.3pp | 53.42%-40.1pp | 373.84%-360.6pp |
| Employer contribution / active EE | $3,972 | $7,597-47.7% | $6,790-41.5% | $4,755-16.5% |
| Participant deferral / active EE | $8,032 | $11,627-30.9% | $10,411-22.8% | $6,713+19.7% |
| Admin fee / account holder | $23,734 | $15,397+54.2% | $12,826+85.0% | $11,407+108.1% |