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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 | $185,543 | $165,381+12.2% | $149,730+23.9% | $158,966+16.7% |
| Participation rate | 76.2% | 84.6%-8.4pp | 82.5%-6.3pp | 82.0%-5.8pp |
| Annual return | 19.08% | 348.29%-329.2pp | 276.70%-257.6pp | 302.95%-283.9pp |
| Employer contribution / active EE | $2,745 | $5,104-46.2% | $4,645-40.9% | $4,762-42.4% |
| Participant deferral / active EE | $6,189 | $7,182-13.8% | $6,843-9.6% | $5,983+3.4% |
| Admin fee / account holder | $18,470 | $10,809+70.9% | $9,310+98.4% | $11,250+64.2% |