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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 | $177,326 | $166,089+6.8% | $164,928+7.5% | $145,978+21.5% |
| Participation rate | 89.5% | 82.0%+7.5pp | 78.6%+10.9pp | 80.3%+9.2pp |
| Annual return | 22.04% | 100.26%-78.2pp | 70.08%-48.0pp | 550.52%-528.5pp |
| Employer contribution / active EE | $2,544 | $5,276-51.8% | $4,343-41.4% | $4,662-45.4% |
| Participant deferral / active EE | $7,815 | $6,961+12.3% | $6,034+29.5% | $6,690+16.8% |
| Admin fee / account holder | $22,403 | $16,641+34.6% | $12,684+76.6% | $13,400+67.2% |