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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 | $197,401 | $165,399+19.3% | $149,745+31.8% | $158,982+24.2% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 12.56% | 348.34%-335.8pp | 276.72%-264.2pp | 302.99%-290.4pp |
| Employer contribution / active EE | $4,346 | $5,105-14.9% | $4,646-6.5% | $4,763-8.8% |
| Participant deferral / active EE | $12,427 | $7,183+73.0% | $6,843+81.6% | $5,983+107.7% |
| Admin fee / account holder | $1,687 | $10,811-84.4% | $9,312-81.9% | $11,252-85.0% |