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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 | $186,507 | $157,304+18.6% | $141,197+32.1% | $152,909+22.0% |
| Participation rate | 92.9% | 84.8%+8.0pp | 82.5%+10.4pp | 82.5%+10.4pp |
| Annual return | 23.93% | 64.34%-40.4pp | 71.41%-47.5pp | 345.46%-321.5pp |
| Employer contribution / active EE | $7,937 | $5,263+50.8% | $4,736+67.6% | $4,764+66.6% |
| Participant deferral / active EE | $9,024 | $7,111+26.9% | $6,710+34.5% | $5,851+54.2% |
| Admin fee / account holder | $4,595 | $12,126-62.1% | $10,265-55.2% | $11,601-60.4% |