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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 | $159,921 | $183,539-12.9% | $155,556+2.8% | $145,897+9.6% |
| Participation rate | 88.9% | 82.7%+6.2pp | 78.2%+10.7pp | 80.3%+8.6pp |
| Annual return | 8.81% | 61.31%-52.5pp | 64.84%-56.0pp | 552.29%-543.5pp |
| Employer contribution / active EE | $3,432 | $5,315-35.4% | $4,675-26.6% | $4,663-26.4% |
| Participant deferral / active EE | $5,601 | $6,467-13.4% | $5,631-0.5% | $6,689-16.3% |
| Admin fee / account holder | $837 | $19,275-95.7% | $15,885-94.7% | $13,390-93.8% |