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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 | $208,531 | $185,312+12.5% | $161,489+29.1% | $154,746+34.8% |
| Participation rate | 86.7% | 82.5%+4.2pp | 78.7%+8.0pp | 80.7%+6.0pp |
| Annual return | 15.33% | 103.84%-88.5pp | 89.72%-74.4pp | 172.34%-157.0pp |
| Employer contribution / active EE | $3,600 | $4,769-24.5% | $4,268-15.7% | $4,379-17.8% |
| Participant deferral / active EE | $7,527 | $6,350+18.5% | $5,630+33.7% | $6,730+11.8% |
| Admin fee / account holder | $143,788 | $18,654+670.8% | $16,006+798.4% | $14,365+900.9% |