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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 | $227,424 | $157,276+44.6% | $141,177+61.1% | $152,885+48.8% |
| Participation rate | 90.5% | 84.8%+5.7pp | 82.5%+8.0pp | 82.5%+8.0pp |
| Annual return | 23.43% | 64.33%-40.9pp | 71.40%-48.0pp | 345.39%-322.0pp |
| Employer contribution / active EE | $5,078 | $5,262-3.5% | $4,736+7.2% | $4,763+6.6% |
| Participant deferral / active EE | $7,746 | $7,110+8.9% | $6,710+15.4% | $5,851+32.4% |
| Admin fee / account holder | $10,988 | $12,123-9.4% | $10,263+7.1% | $11,598-5.3% |