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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 | $171,715 | $198,457-13.5% | $170,435+0.8% | $147,586+16.3% |
| Participation rate | 95.0% | 88.0%+7.0pp | 83.6%+11.4pp | 82.8%+12.2pp |
| Annual return | 17.18% | 257.30%-240.1pp | 205.94%-188.8pp | 578.59%-561.4pp |
| Employer contribution / active EE | $6,809 | $6,183+10.1% | $5,432+25.3% | $4,876+39.6% |
| Participant deferral / active EE | $7,414 | $5,629+31.7% | $4,939+50.1% | $5,439+36.3% |
| Admin fee / account holder | $2,936 | $16,852-82.6% | $13,881-78.8% | $10,886-73.0% |