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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 | $213,390 | $209,422+1.9% | $178,503+19.5% | $158,982+34.2% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 18.99% | 188.81%-169.8pp | 151.12%-132.1pp | 302.99%-284.0pp |
| Employer contribution / active EE | $4,404 | $5,707-22.8% | $5,011-12.1% | $4,763-7.5% |
| Participant deferral / active EE | $10,250 | $5,955+72.1% | $5,202+97.0% | $5,983+71.3% |
| Admin fee / account holder | $1,936 | $17,079-88.7% | $13,987-86.2% | $11,252-82.8% |