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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 | $188,314 | $157,304+19.7% | $141,197+33.4% | $152,909+23.2% |
| Participation rate | 95.2% | 84.8%+10.4pp | 82.5%+12.8pp | 82.5%+12.8pp |
| Annual return | 22.15% | 64.34%-42.2pp | 71.41%-49.3pp | 345.46%-323.3pp |
| Employer contribution / active EE | $2,804 | $5,263-46.7% | $4,736-40.8% | $4,764-41.1% |
| Participant deferral / active EE | $6,872 | $7,111-3.4% | $6,710+2.4% | $5,851+17.4% |
| Admin fee / account holder | $4,716 | $12,126-61.1% | $10,265-54.1% | $11,601-59.3% |