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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 | $182,499 | $157,304+16.0% | $141,197+29.3% | $152,909+19.4% |
| Participation rate | 94.4% | 84.8%+9.6pp | 82.5%+12.0pp | 82.5%+12.0pp |
| Annual return | 21.88% | 64.34%-42.5pp | 71.41%-49.5pp | 345.46%-323.6pp |
| Employer contribution / active EE | $4,934 | $5,263-6.2% | $4,736+4.2% | $4,764+3.6% |
| Participant deferral / active EE | $11,874 | $7,111+67.0% | $6,710+77.0% | $5,851+102.9% |
| Admin fee / account holder | $841 | $12,126-93.1% | $10,265-91.8% | $11,601-92.8% |