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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 | $220,746 | $157,304+40.3% | $141,197+56.3% | $152,909+44.4% |
| Participation rate | 92.9% | 84.8%+8.0pp | 82.5%+10.4pp | 82.5%+10.4pp |
| Annual return | 25.61% | 64.34%-38.7pp | 71.41%-45.8pp | 345.46%-319.9pp |
| Employer contribution / active EE | $3,882 | $5,263-26.2% | $4,736-18.0% | $4,764-18.5% |
| Participant deferral / active EE | $6,426 | $7,111-9.6% | $6,710-4.2% | $5,851+9.8% |
| Admin fee / account holder | $3,737 | $12,126-69.2% | $10,265-63.6% | $11,601-67.8% |