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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 | $219,056 | $196,972+11.2% | $182,262+20.2% | $198,609+10.3% |
| Participation rate | 94.1% | 85.7%+8.4pp | 84.2%+9.9pp | 82.4%+11.7pp |
| Annual return | 11.28% | 158.27%-147.0pp | 140.60%-129.3pp | 202.70%-191.4pp |
| Employer contribution / active EE | $3,079 | $5,364-42.6% | $5,046-39.0% | $5,055-39.1% |
| Participant deferral / active EE | $6,033 | $8,643-30.2% | $8,276-27.1% | $6,977-13.5% |
| Admin fee / account holder | $1,148 | $18,429-93.8% | $16,712-93.1% | $19,030-94.0% |