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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 | $230,117 | $165,381+39.1% | $149,730+53.7% | $158,966+44.8% |
| Participation rate | 84.2% | 84.6%-0.4pp | 82.5%+1.7pp | 82.0%+2.2pp |
| Annual return | 22.04% | 348.29%-326.3pp | 276.70%-254.7pp | 302.95%-280.9pp |
| Employer contribution / active EE | $4,408 | $5,104-13.6% | $4,645-5.1% | $4,762-7.4% |
| Participant deferral / active EE | $6,862 | $7,182-4.5% | $6,843+0.3% | $5,983+14.7% |
| Admin fee / account holder | $320 | $10,809-97.0% | $9,310-96.6% | $11,250-97.2% |