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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 | $230,286 | $175,259+31.4% | $149,723+53.8% | $139,487+65.1% |
| Participation rate | 83.3% | 83.4%-0.1pp | 78.8%+4.6pp | 80.3%+3.0pp |
| Annual return | 14.07% | 166.82%-152.8pp | 134.50%-120.4pp | 373.84%-359.8pp |
| Employer contribution / active EE | $4,229 | $5,478-22.8% | $4,821-12.3% | $4,755-11.0% |
| Participant deferral / active EE | $2,444 | $6,522-62.5% | $5,682-57.0% | $6,713-63.6% |
| Admin fee / account holder | $12,666 | $16,158-21.6% | $13,215-4.2% | $11,407+11.0% |