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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 | $172,364 | $105,210+63.8% | $159,487+8.1% | $85,851+100.8% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.8%-4.3pp | 69.3%+9.3pp |
| Annual return | 13.43% | 45.08%-31.7pp | 263.71%-250.3pp | 318.63%-305.2pp |
| Employer contribution / active EE | $3,524 | $3,319+6.2% | $4,831-27.1% | $2,565+37.4% |
| Participant deferral / active EE | $7,587 | $5,946+27.6% | $7,354+3.2% | $3,952+92.0% |
| Admin fee / account holder | $10,375 | $6,934+49.6% | $10,804-4.0% | $6,261+65.7% |