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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 | $185,015 | $197,625-6.4% | $177,840+4.0% | $158,966+16.4% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.7%-12.7pp | 82.0%-7.0pp |
| Annual return | 15.08% | 58.76%-43.7pp | 48.32%-33.2pp | 302.95%-287.9pp |
| Employer contribution / active EE | $2,224 | $6,698-66.8% | $5,919-62.4% | $4,762-53.3% |
| Participant deferral / active EE | $6,141 | $8,405-26.9% | $7,714-20.4% | $5,983+2.6% |
| Admin fee / account holder | $1,857 | $15,405-87.9% | $12,431-85.1% | $11,250-83.5% |