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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 | $181,453 | $152,619+18.9% | $125,195+44.9% | $152,909+18.7% |
| Participation rate | 93.8% | 83.3%+10.4pp | 79.8%+14.0pp | 82.5%+11.3pp |
| Annual return | 16.52% | 54.85%-38.3pp | 43.79%-27.3pp | 345.46%-328.9pp |
| Employer contribution / active EE | $5,159 | $4,947+4.3% | $3,866+33.5% | $4,764+8.3% |
| Participant deferral / active EE | $3,627 | $5,869-38.2% | $4,937-26.5% | $5,851-38.0% |
| Admin fee / account holder | $1,428 | $13,437-89.4% | $9,704-85.3% | $11,601-87.7% |