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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 | $166,250 | $183,516-9.4% | $155,534+6.9% | $145,884+14.0% |
| Participation rate | 81.0% | 82.7%-1.8pp | 78.2%+2.7pp | 80.3%+0.6pp |
| Annual return | 14.78% | 61.43%-46.6pp | 64.92%-50.1pp | 551.85%-537.1pp |
| Employer contribution / active EE | $3,293 | $5,315-38.0% | $4,675-29.6% | $4,662-29.4% |
| Participant deferral / active EE | $7,213 | $6,467+11.5% | $5,630+28.1% | $6,690+7.8% |
| Admin fee / account holder | $37,683 | $19,293+95.3% | $15,900+137.0% | $13,392+181.4% |