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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 | $182,663 | $129,737+40.8% | $119,126+53.3% | $154,746+18.0% |
| Participation rate | 78.3% | 78.9%-0.6pp | 75.8%+2.5pp | 80.7%-2.4pp |
| Annual return | 16.86% | 379.08%-362.2pp | 282.11%-265.2pp | 172.34%-155.5pp |
| Employer contribution / active EE | $1,391 | $4,375-68.2% | $4,034-65.5% | $4,379-68.2% |
| Participant deferral / active EE | $5,733 | $5,842-1.9% | $5,318+7.8% | $6,730-14.8% |
| Admin fee / account holder | $1,130 | $11,961-90.5% | $10,693-89.4% | $14,365-92.1% |