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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 | $180,359 | $183,627-1.8% | $155,602+15.9% | $145,978+23.6% |
| Participation rate | 73.3% | 82.7%-9.4pp | 78.2%-4.9pp | 80.3%-7.0pp |
| Annual return | 13.84% | 61.32%-47.5pp | 64.81%-51.0pp | 550.52%-536.7pp |
| Employer contribution / active EE | $2,189 | $5,316-58.8% | $4,675-53.2% | $4,662-53.1% |
| Participant deferral / active EE | $6,853 | $6,466+6.0% | $5,629+21.8% | $6,690+2.4% |
| Admin fee / account holder | $35,095 | $19,327+81.6% | $15,923+120.4% | $13,400+161.9% |