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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 | $178,109 | $157,276+13.2% | $141,177+26.2% | $152,885+16.5% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 18.10% | 64.33%-46.2pp | 71.40%-53.3pp | 345.39%-327.3pp |
| Employer contribution / active EE | $3,229 | $5,262-38.6% | $4,736-31.8% | $4,763-32.2% |
| Participant deferral / active EE | $9,075 | $7,110+27.6% | $6,710+35.2% | $5,851+55.1% |
| Admin fee / account holder | $13,503 | $12,123+11.4% | $10,263+31.6% | $11,598+16.4% |