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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 | $165,361-1.3% | $149,715+9.0% | $158,950+2.7% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 12.08% | 348.24%-336.2pp | 276.66%-264.6pp | 302.91%-290.8pp |
| Employer contribution / active EE | $4,135 | $5,103-19.0% | $4,645-11.0% | $4,762-13.2% |
| Participant deferral / active EE | $6,501 | $7,182-9.5% | $6,842-5.0% | $5,983+8.7% |
| Admin fee / account holder | $40,358 | $10,808+273.4% | $9,310+333.5% | $11,248+258.8% |