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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 | $195,168 | $217,432-10.2% | $185,851+5.0% | $167,553+16.5% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 16.40% | 148.43%-132.0pp | 122.11%-105.7pp | 478.89%-462.5pp |
| Employer contribution / active EE | $3,253 | $5,874-44.6% | $5,168-37.1% | $4,840-32.8% |
| Participant deferral / active EE | $11,740 | $6,357+84.7% | $5,569+110.8% | $6,343+85.1% |
| Admin fee / account holder | $4,925 | $19,820-75.2% | $16,245-69.7% | $12,316-60.0% |