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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 | $181,950 | $197,637-7.9% | $177,848+2.3% | $158,982+14.4% |
| Participation rate | 95.5% | 88.5%+6.9pp | 87.7%+7.7pp | 82.0%+13.5pp |
| Annual return | 30.31% | 58.77%-28.5pp | 48.33%-18.0pp | 302.99%-272.7pp |
| Employer contribution / active EE | $11,105 | $6,698+65.8% | $5,919+87.6% | $4,763+133.2% |
| Participant deferral / active EE | $7,661 | $8,405-8.9% | $7,714-0.7% | $5,983+28.0% |
| Admin fee / account holder | $1,944 | $15,406-87.4% | $12,431-84.4% | $11,252-82.7% |