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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 | $169,125 | $198,462-14.8% | $170,439-0.8% | $147,585+14.6% |
| Participation rate | 80.0% | 88.0%-8.0pp | 83.6%-3.6pp | 82.8%-2.8pp |
| Annual return | 22.66% | 257.30%-234.6pp | 205.94%-183.3pp | 578.58%-555.9pp |
| Employer contribution / active EE | $3,313 | $6,184-46.4% | $5,433-39.0% | $4,876-32.1% |
| Participant deferral / active EE | $7,263 | $5,629+29.0% | $4,939+47.0% | $5,439+33.5% |
| Admin fee / account holder | $4,657 | $16,852-72.4% | $13,881-66.5% | $10,886-57.2% |