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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 | $183,439 | $137,414+33.5% | $189,545-3.2% | $85,851+113.7% |
| Participation rate | 85.7% | 84.6%+1.1pp | 87.8%-2.1pp | 69.3%+16.4pp |
| Annual return | 29.82% | 38.14%-8.3pp | 555.36%-525.5pp | 318.63%-288.8pp |
| Employer contribution / active EE | $3,639 | $4,344-16.2% | $6,162-40.9% | $2,565+41.9% |
| Participant deferral / active EE | $5,878 | $6,260-6.1% | $8,220-28.5% | $3,952+48.7% |
| Admin fee / account holder | $18,264 | $8,630+111.6% | $12,049+51.6% | $6,261+191.7% |