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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 | $239,672 | $227,597+5.3% | $189,575+26.4% | $167,536+43.1% |
| Participation rate | 94.4% | 82.5%+11.9pp | 78.4%+16.0pp | 82.1%+12.3pp |
| Annual return | 13.13% | 78.44%-65.3pp | 64.19%-51.1pp | 478.82%-465.7pp |
| Employer contribution / active EE | $3,680 | $5,316-30.8% | $4,412-16.6% | $4,839-24.0% |
| Participant deferral / active EE | $9,915 | $7,002+41.6% | $6,174+60.6% | $6,342+56.3% |
| Admin fee / account holder | $3,460 | $11,877-70.9% | $9,806-64.7% | $12,315-71.9% |