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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 | $165,124 | $175,259-5.8% | $149,723+10.3% | $139,487+18.4% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 20.75% | 166.82%-146.1pp | 134.50%-113.7pp | 373.84%-353.1pp |
| Employer contribution / active EE | $3,580 | $5,478-34.7% | $4,821-25.8% | $4,755-24.7% |
| Participant deferral / active EE | $10,270 | $6,522+57.5% | $5,682+80.7% | $6,713+53.0% |
| Admin fee / account holder | $12,317 | $16,158-23.8% | $13,215-6.8% | $11,407+8.0% |