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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 | $175,759 | $148,623+18.3% | $135,974+29.3% | $139,466+26.0% |
| Participation rate | 91.7% | 83.9%+7.8pp | 81.9%+9.7pp | 80.3%+11.3pp |
| Annual return | 13.99% | 79.30%-65.3pp | 68.30%-54.3pp | 373.66%-359.7pp |
| Employer contribution / active EE | $3,421 | $5,246-34.8% | $4,859-29.6% | $4,754-28.0% |
| Participant deferral / active EE | $7,229 | $8,103-10.8% | $7,760-6.8% | $6,712+7.7% |
| Admin fee / account holder | $9,459 | $12,406-23.8% | $10,767-12.1% | $11,409-17.1% |