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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 | $181,987 | $183,592-0.9% | $155,574+17.0% | $145,877+24.8% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 17.18% | 61.37%-44.2pp | 64.87%-47.7pp | 551.28%-534.1pp |
| Employer contribution / active EE | $4,100 | $5,317-22.9% | $4,676-12.3% | $4,663-12.1% |
| Participant deferral / active EE | $5,459 | $6,466-15.6% | $5,629-3.0% | $6,691-18.4% |
| Admin fee / account holder | $13,326 | $19,316-31.0% | $15,914-16.3% | $13,402-0.6% |