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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 | $186,454 | $165,361+12.8% | $149,715+24.5% | $158,950+17.3% |
| Participation rate | 82.4% | 84.6%-2.2pp | 82.5%-0.1pp | 82.0%+0.4pp |
| Annual return | 14.26% | 348.24%-334.0pp | 276.66%-262.4pp | 302.91%-288.7pp |
| Employer contribution / active EE | $3,070 | $5,103-39.8% | $4,645-33.9% | $4,762-35.5% |
| Participant deferral / active EE | $7,306 | $7,182+1.7% | $6,842+6.8% | $5,983+22.1% |
| Admin fee / account holder | $773 | $10,808-92.8% | $9,310-91.7% | $11,248-93.1% |