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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 | $166,224 | $183,592-9.5% | $155,567+6.9% | $145,959+13.9% |
| Participation rate | 82.4% | 82.7%-0.3pp | 78.2%+4.2pp | 80.3%+2.1pp |
| Annual return | 12.17% | 61.24%-49.1pp | 64.74%-52.6pp | 561.95%-549.8pp |
| Employer contribution / active EE | $2,607 | $5,315-50.9% | $4,674-44.2% | $4,661-44.1% |
| Participant deferral / active EE | $7,974 | $6,464+23.4% | $5,628+41.7% | $6,689+19.2% |
| Admin fee / account holder | $16,314 | $19,318-15.6% | $15,916+2.5% | $13,398+21.8% |