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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 | $187,549 | $209,425-10.4% | $178,499+5.1% | $158,966+18.0% |
| Participation rate | 91.7% | 86.4%+5.3pp | 81.9%+9.7pp | 82.0%+9.7pp |
| Annual return | 14.65% | 188.80%-174.1pp | 151.10%-136.5pp | 302.95%-288.3pp |
| Employer contribution / active EE | $3,391 | $5,707-40.6% | $5,011-32.3% | $4,762-28.8% |
| Participant deferral / active EE | $10,069 | $5,955+69.1% | $5,202+93.6% | $5,983+68.3% |
| Admin fee / account holder | $12,578 | $17,078-26.3% | $13,986-10.1% | $11,250+11.8% |