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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 | $210,668 | $217,432-3.1% | $185,849+13.4% | $167,536+25.7% |
| Participation rate | 91.7% | 86.1%+5.6pp | 81.7%+10.0pp | 82.1%+9.6pp |
| Annual return | 11.92% | 148.42%-136.5pp | 122.10%-110.2pp | 478.82%-466.9pp |
| Employer contribution / active EE | $7,914 | $5,875+34.7% | $5,169+53.1% | $4,839+63.6% |
| Participant deferral / active EE | $5,559 | $6,357-12.6% | $5,569-0.2% | $6,342-12.3% |
| Admin fee / account holder | $348 | $19,818-98.2% | $16,244-97.9% | $12,315-97.2% |