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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 | $196,242 | $210,698-6.9% | $178,014+10.2% | $145,959+34.4% |
| Participation rate | 83.3% | 80.8%+2.6pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 13.21% | 386.27%-373.1pp | 294.80%-281.6pp | 561.95%-548.7pp |
| Employer contribution / active EE | $4,120 | $4,567-9.8% | $3,950+4.3% | $4,661-11.6% |
| Participant deferral / active EE | $4,542 | $6,958-34.7% | $6,276-27.6% | $6,689-32.1% |
| Admin fee / account holder | $1,133 | $12,016-90.6% | $10,362-89.1% | $13,398-91.5% |