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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 | $188,897 | $129,737+45.6% | $119,126+58.6% | $154,746+22.1% |
| Participation rate | 70.8% | 78.9%-8.0pp | 75.8%-4.9pp | 80.7%-9.9pp |
| Annual return | 18.11% | 379.08%-361.0pp | 282.11%-264.0pp | 172.34%-154.2pp |
| Employer contribution / active EE | $7,069 | $4,375+61.6% | $4,034+75.3% | $4,379+61.4% |
| Participant deferral / active EE | $5,574 | $5,842-4.6% | $5,318+4.8% | $6,730-17.2% |
| Admin fee / account holder | $980 | $11,961-91.8% | $10,693-90.8% | $14,365-93.2% |