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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 | $159,419 | $157,304+1.3% | $141,197+12.9% | $152,909+4.3% |
| Participation rate | 94.4% | 84.8%+9.6pp | 82.5%+12.0pp | 82.5%+12.0pp |
| Annual return | 19.67% | 64.34%-44.7pp | 71.41%-51.7pp | 345.46%-325.8pp |
| Employer contribution / active EE | $6,767 | $5,263+28.6% | $4,736+42.9% | $4,764+42.0% |
| Participant deferral / active EE | $7,400 | $7,111+4.1% | $6,710+10.3% | $5,851+26.5% |
| Admin fee / account holder | $4,655 | $12,126-61.6% | $10,265-54.7% | $11,601-59.9% |