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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 | $174,240 | $157,304+10.8% | $141,197+23.4% | $152,909+14.0% |
| Participation rate | 75.0% | 84.8%-9.8pp | 82.5%-7.5pp | 82.5%-7.5pp |
| Annual return | 17.00% | 64.34%-47.3pp | 71.41%-54.4pp | 345.46%-328.5pp |
| Employer contribution / active EE | $7,765 | $5,263+47.5% | $4,736+63.9% | $4,764+63.0% |
| Participant deferral / active EE | $7,140 | $7,111+0.4% | $6,710+6.4% | $5,851+22.0% |
| Admin fee / account holder | $7,802 | $12,126-35.7% | $10,265-24.0% | $11,601-32.7% |