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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 | $172,752 | $183,592-5.9% | $155,574+11.0% | $145,877+18.4% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 15.51% | 61.37%-45.9pp | 64.87%-49.4pp | 551.28%-535.8pp |
| Employer contribution / active EE | $3,370 | $5,317-36.6% | $4,676-27.9% | $4,663-27.7% |
| Participant deferral / active EE | $9,234 | $6,466+42.8% | $5,629+64.0% | $6,691+38.0% |
| Admin fee / account holder | $1,566 | $19,316-91.9% | $15,914-90.2% | $13,402-88.3% |