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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 | $195,328 | $198,457-1.6% | $170,435+14.6% | $147,586+32.3% |
| Participation rate | 83.3% | 88.0%-4.6pp | 83.6%-0.3pp | 82.8%+0.5pp |
| Annual return | 15.54% | 257.30%-241.8pp | 205.94%-190.4pp | 578.59%-563.1pp |
| Employer contribution / active EE | $5,167 | $6,183-16.4% | $5,432-4.9% | $4,876+6.0% |
| Participant deferral / active EE | $2,388 | $5,629-57.6% | $4,939-51.7% | $5,439-56.1% |
| Admin fee / account holder | $49,696 | $16,852+194.9% | $13,881+258.0% | $10,886+356.5% |