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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 | $189,058 | $132,634+42.5% | $115,768+63.3% | $137,256+37.7% |
| Participation rate | 76.2% | 77.9%-1.7pp | 74.4%+1.8pp | 80.0%-3.8pp |
| Annual return | 15.39% | 160.70%-145.3pp | 100.46%-85.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,744 | $3,360-48.1% | $2,940-40.7% | $4,156-58.0% |
| Participant deferral / active EE | $7,435 | $5,619+32.3% | $4,917+51.2% | $6,407+16.0% |
| Admin fee / account holder | $1,011 | $15,028-93.3% | $12,439-91.9% | $12,270-91.8% |