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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 | $174,192 | $148,629+17.2% | $135,982+28.1% | $139,487+24.9% |
| Participation rate | 91.7% | 83.9%+7.8pp | 81.9%+9.7pp | 80.3%+11.3pp |
| Annual return | 26.82% | 79.33%-52.5pp | 68.32%-41.5pp | 373.84%-347.0pp |
| Employer contribution / active EE | $5,473 | $5,247+4.3% | $4,859+12.6% | $4,755+15.1% |
| Participant deferral / active EE | $10,718 | $8,102+32.3% | $7,760+38.1% | $6,713+59.7% |
| Admin fee / account holder | $717 | $12,406-94.2% | $10,767-93.3% | $11,407-93.7% |