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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 | $204,474 | $176,120+16.1% | $159,487+28.2% | $167,553+22.0% |
| Participation rate | 87.5% | 85.0%+2.5pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 13.75% | 331.95%-318.2pp | 263.71%-250.0pp | 478.89%-465.1pp |
| Employer contribution / active EE | $4,258 | $5,299-19.6% | $4,831-11.9% | $4,840-12.0% |
| Participant deferral / active EE | $8,356 | $7,752+7.8% | $7,354+13.6% | $6,343+31.7% |
| Admin fee / account holder | $9,792 | $12,561-22.0% | $10,804-9.4% | $12,316-20.5% |