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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 | $187,352 | $197,637-5.2% | $177,848+5.3% | $158,982+17.8% |
| Participation rate | 90.0% | 88.5%+1.5pp | 87.7%+2.3pp | 82.0%+8.0pp |
| Annual return | 10.73% | 58.77%-48.0pp | 48.33%-37.6pp | 302.99%-292.3pp |
| Employer contribution / active EE | $2,986 | $6,698-55.4% | $5,919-49.6% | $4,763-37.3% |
| Participant deferral / active EE | $7,366 | $8,405-12.4% | $7,714-4.5% | $5,983+23.1% |
| Admin fee / account holder | $593 | $15,406-96.1% | $12,431-95.2% | $11,252-94.7% |