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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 | $179,657 | $160,040+12.3% | $147,096+22.1% | $145,877+23.2% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 19.42% | 98.49%-79.1pp | 419.75%-400.3pp | 551.28%-531.9pp |
| Employer contribution / active EE | $8,353 | $5,289+57.9% | $4,936+69.2% | $4,663+79.1% |
| Participant deferral / active EE | $8,092 | $8,429-4.0% | $8,071+0.3% | $6,691+20.9% |
| Admin fee / account holder | $961 | $15,050-93.6% | $13,005-92.6% | $13,402-92.8% |