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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 | $181,798 | $209,422-13.2% | $178,503+1.8% | $158,982+14.4% |
| Participation rate | 79.2% | 86.4%-7.2pp | 81.9%-2.8pp | 82.0%-2.8pp |
| Annual return | 14.97% | 188.81%-173.8pp | 151.12%-136.1pp | 302.99%-288.0pp |
| Employer contribution / active EE | $6,337 | $5,707+11.0% | $5,011+26.5% | $4,763+33.0% |
| Participant deferral / active EE | $6,814 | $5,955+14.4% | $5,202+31.0% | $5,983+13.9% |
| Admin fee / account holder | $7,400 | $17,079-56.7% | $13,987-47.1% | $11,252-34.2% |