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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 | $234,693 | $217,432+7.9% | $185,849+26.3% | $167,536+40.1% |
| Participation rate | 71.4% | 86.1%-14.6pp | 81.7%-10.3pp | 82.1%-10.7pp |
| Annual return | 12.22% | 148.42%-136.2pp | 122.10%-109.9pp | 478.82%-466.6pp |
| Employer contribution / active EE | $8,611 | $5,875+46.6% | $5,169+66.6% | $4,839+77.9% |
| Participant deferral / active EE | $5,632 | $6,357-11.4% | $5,569+1.1% | $6,342-11.2% |
| Admin fee / account holder | $6,918 | $19,818-65.1% | $16,244-57.4% | $12,315-43.8% |