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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 | $165,088 | $157,304+4.9% | $141,197+16.9% | $152,909+8.0% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 29.04% | 64.34%-35.3pp | 71.41%-42.4pp | 345.46%-316.4pp |
| Employer contribution / active EE | $9,625 | $5,263+82.9% | $4,736+103.2% | $4,764+102.0% |
| Participant deferral / active EE | $5,007 | $7,111-29.6% | $6,710-25.4% | $5,851-14.4% |
| Admin fee / account holder | $391 | $12,126-96.8% | $10,265-96.2% | $11,601-96.6% |