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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 | $171,827 | $162,785+5.6% | $133,959+28.3% | $158,950+8.1% |
| Participation rate | 90.9% | 83.2%+7.7pp | 79.8%+11.1pp | 82.0%+8.9pp |
| Annual return | 11.90% | 41.94%-30.0pp | 45.09%-33.2pp | 302.91%-291.0pp |
| Employer contribution / active EE | $8,460 | $4,975+70.0% | $3,919+115.9% | $4,762+77.7% |
| Participant deferral / active EE | $6,947 | $5,910+17.5% | $5,047+37.6% | $5,983+16.1% |
| Admin fee / account holder | $2,241 | $11,738-80.9% | $8,928-74.9% | $11,248-80.1% |