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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 | $155,480 | $176,120-11.7% | $159,487-2.5% | $167,553-7.2% |
| Participation rate | 75.0% | 85.0%-10.0pp | 82.8%-7.8pp | 82.1%-7.1pp |
| Annual return | 15.76% | 331.95%-316.2pp | 263.71%-247.9pp | 478.89%-463.1pp |
| Employer contribution / active EE | $4,133 | $5,299-22.0% | $4,831-14.5% | $4,840-14.6% |
| Participant deferral / active EE | $4,031 | $7,752-48.0% | $7,354-45.2% | $6,343-36.4% |
| Admin fee / account holder | $9,147 | $12,561-27.2% | $10,804-15.3% | $12,316-25.7% |