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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 | $192,129 | $183,516+4.7% | $155,534+23.5% | $145,884+31.7% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 16.84% | 61.43%-44.6pp | 64.92%-48.1pp | 551.85%-535.0pp |
| Employer contribution / active EE | $1,719 | $5,315-67.7% | $4,675-63.2% | $4,662-63.1% |
| Participant deferral / active EE | $5,771 | $6,467-10.8% | $5,630+2.5% | $6,690-13.7% |
| Admin fee / account holder | $1,165 | $19,293-94.0% | $15,900-92.7% | $13,392-91.3% |