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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 | $182,494 | $183,988-0.8% | $162,177+12.5% | $152,897+19.4% |
| Participation rate | 85.7% | 88.5%-2.8pp | 87.6%-1.8pp | 82.5%+3.3pp |
| Annual return | 24.61% | 150.79%-126.2pp | 115.60%-91.0pp | 345.43%-320.8pp |
| Employer contribution / active EE | $3,954 | $6,370-37.9% | $5,613-29.6% | $4,764-17.0% |
| Participant deferral / active EE | $10,857 | $8,032+35.2% | $7,297+48.8% | $5,851+85.6% |
| Admin fee / account holder | $4,892 | $13,123-62.7% | $10,843-54.9% | $11,599-57.8% |