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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 | $184,490 | $198,462-7.0% | $170,439+8.2% | $147,585+25.0% |
| Participation rate | 84.6% | 88.0%-3.4pp | 83.6%+1.0pp | 82.8%+1.8pp |
| Annual return | 19.79% | 257.30%-237.5pp | 205.94%-186.1pp | 578.58%-558.8pp |
| Employer contribution / active EE | $3,659 | $6,184-40.8% | $5,433-32.6% | $4,876-25.0% |
| Participant deferral / active EE | $6,106 | $5,629+8.5% | $4,939+23.6% | $5,439+12.3% |
| Admin fee / account holder | $2,013 | $16,852-88.1% | $13,881-85.5% | $10,886-81.5% |