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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 | $176,058 | $217,432-19.0% | $185,849-5.3% | $167,536+5.1% |
| Participation rate | 88.9% | 86.1%+2.8pp | 81.7%+7.2pp | 82.1%+6.8pp |
| Annual return | 19.64% | 148.42%-128.8pp | 122.10%-102.5pp | 478.82%-459.2pp |
| Employer contribution / active EE | $1,864 | $5,875-68.3% | $5,169-63.9% | $4,839-61.5% |
| Participant deferral / active EE | $4,354 | $6,357-31.5% | $5,569-21.8% | $6,342-31.3% |
| Admin fee / account holder | $2,052 | $19,818-89.6% | $16,244-87.4% | $12,315-83.3% |