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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 | $191,286 | $165,399+15.7% | $149,745+27.7% | $158,982+20.3% |
| Participation rate | 94.7% | 84.6%+10.2pp | 82.5%+12.3pp | 82.0%+12.8pp |
| Annual return | 17.29% | 348.34%-331.0pp | 276.72%-259.4pp | 302.99%-285.7pp |
| Employer contribution / active EE | $4,592 | $5,105-10.0% | $4,646-1.1% | $4,763-3.6% |
| Participant deferral / active EE | $8,439 | $7,183+17.5% | $6,843+23.3% | $5,983+41.0% |
| Admin fee / account holder | $2,531 | $10,811-76.6% | $9,312-72.8% | $11,252-77.5% |