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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 | $192,828 | $175,231+10.0% | $149,696+28.8% | $139,466+38.3% |
| Participation rate | 78.6% | 83.4%-4.8pp | 78.8%-0.2pp | 80.3%-1.8pp |
| Annual return | 15.70% | 166.77%-151.1pp | 134.46%-118.8pp | 373.66%-358.0pp |
| Employer contribution / active EE | $1,755 | $5,478-68.0% | $4,821-63.6% | $4,754-63.1% |
| Participant deferral / active EE | $5,314 | $6,521-18.5% | $5,682-6.5% | $6,712-20.8% |
| Admin fee / account holder | $25,043 | $16,155+55.0% | $13,212+89.6% | $11,409+119.5% |