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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 | $176,823 | $160,028+10.5% | $147,080+20.2% | $145,884+21.2% |
| Participation rate | 84.2% | 84.0%+0.2pp | 82.2%+2.0pp | 80.3%+3.9pp |
| Annual return | 13.00% | 98.60%-85.6pp | 420.17%-407.2pp | 551.85%-538.9pp |
| Employer contribution / active EE | $2,935 | $5,286-44.5% | $4,933-40.5% | $4,662-37.1% |
| Participant deferral / active EE | $5,585 | $8,422-33.7% | $8,066-30.8% | $6,690-16.5% |
| Admin fee / account holder | $1,982 | $15,030-86.8% | $12,989-84.7% | $13,392-85.2% |