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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 | $166,189 | $160,040+3.8% | $147,096+13.0% | $145,877+13.9% |
| Participation rate | 73.9% | 84.0%-10.1pp | 82.2%-8.3pp | 80.3%-6.4pp |
| Annual return | 14.79% | 98.49%-83.7pp | 419.75%-405.0pp | 551.28%-536.5pp |
| Employer contribution / active EE | $3,482 | $5,289-34.2% | $4,936-29.5% | $4,663-25.3% |
| Participant deferral / active EE | $7,545 | $8,429-10.5% | $8,071-6.5% | $6,691+12.8% |
| Admin fee / account holder | $4,777 | $15,050-68.3% | $13,005-63.3% | $13,402-64.4% |