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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 | $174,651 | $211,224-17.3% | $178,505-2.2% | $145,897+19.7% |
| Participation rate | 95.0% | 80.8%+14.2pp | 77.1%+17.9pp | 80.3%+14.7pp |
| Annual return | 8.93% | 30.28%-21.4pp | 27.16%-18.2pp | 552.29%-543.4pp |
| Employer contribution / active EE | $6,603 | $4,577+44.3% | $3,955+67.0% | $4,663+41.6% |
| Participant deferral / active EE | $2,997 | $6,966-57.0% | $6,280-52.3% | $6,689-55.2% |
| Admin fee / account holder | $366 | $12,109-97.0% | $10,428-96.5% | $13,390-97.3% |