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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 | $211,239-17.3% | $178,528-2.2% | $145,877+19.7% |
| Participation rate | 95.0% | 80.8%+14.2pp | 77.1%+17.9pp | 80.3%+14.7pp |
| Annual return | 8.93% | 30.22%-21.3pp | 27.11%-18.2pp | 551.28%-542.4pp |
| Employer contribution / active EE | $6,603 | $4,570+44.5% | $3,950+67.2% | $4,663+41.6% |
| Participant deferral / active EE | $2,997 | $6,963-57.0% | $6,278-52.3% | $6,691-55.2% |
| Admin fee / account holder | $366 | $12,095-97.0% | $10,419-96.5% | $13,402-97.3% |