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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 | $202,943 | $165,381+22.7% | $149,730+35.5% | $158,966+27.7% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 25.96% | 348.29%-322.3pp | 276.70%-250.7pp | 302.95%-277.0pp |
| Employer contribution / active EE | $3,567 | $5,104-30.1% | $4,645-23.2% | $4,762-25.1% |
| Participant deferral / active EE | $8,268 | $7,182+15.1% | $6,843+20.8% | $5,983+38.2% |
| Admin fee / account holder | $4,544 | $10,809-58.0% | $9,310-51.2% | $11,250-59.6% |