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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 | $188,908 | $176,105+7.3% | $159,474+18.5% | $167,536+12.8% |
| Participation rate | 78.6% | 85.0%-6.4pp | 82.8%-4.3pp | 82.1%-3.5pp |
| Annual return | 25.73% | 331.91%-306.2pp | 263.68%-237.9pp | 478.82%-453.1pp |
| Employer contribution / active EE | $2,731 | $5,299-48.5% | $4,831-43.5% | $4,839-43.6% |
| Participant deferral / active EE | $8,850 | $7,751+14.2% | $7,353+20.4% | $6,342+39.5% |
| Admin fee / account holder | $10,474 | $12,559-16.6% | $10,802-3.0% | $12,315-14.9% |