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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 | $197,738 | $165,399+19.6% | $149,745+32.0% | $158,982+24.4% |
| Participation rate | 89.5% | 84.6%+4.9pp | 82.5%+7.0pp | 82.0%+7.5pp |
| Annual return | 14.04% | 348.34%-334.3pp | 276.72%-262.7pp | 302.99%-288.9pp |
| Employer contribution / active EE | $3,758 | $5,105-26.4% | $4,646-19.1% | $4,763-21.1% |
| Participant deferral / active EE | $6,535 | $7,183-9.0% | $6,843-4.5% | $5,983+9.2% |
| Admin fee / account holder | $8,405 | $10,811-22.3% | $9,312-9.7% | $11,252-25.3% |