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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 | $163,242 | $165,399-1.3% | $149,745+9.0% | $158,982+2.7% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 12.08% | 348.34%-336.3pp | 276.72%-264.6pp | 302.99%-290.9pp |
| Employer contribution / active EE | $4,135 | $5,105-19.0% | $4,646-11.0% | $4,763-13.2% |
| Participant deferral / active EE | $6,501 | $7,183-9.5% | $6,843-5.0% | $5,983+8.6% |
| Admin fee / account holder | $40,358 | $10,811+273.3% | $9,312+333.4% | $11,252+258.7% |