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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 | $191,269 | $88,672+115.7% | $105,223+81.8% | $82,448+132.0% |
| Participation rate | 76.0% | 67.9%+8.1pp | 75.0%+1.0pp | 68.1%+7.9pp |
| Annual return | 21.05% | 30.86%-9.8pp | 180.65%-159.6pp | 41.64%-20.6pp |
| Employer contribution / active EE | $3,146 | $3,048+3.2% | $3,689-14.7% | $2,551+23.3% |
| Participant deferral / active EE | $9,126 | $4,036+126.1% | $5,072+79.9% | $4,139+120.5% |
| Admin fee / account holder | $4,620 | $7,146-35.3% | $8,859-47.8% | $7,234-36.1% |