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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 | $170,863 | $183,539-6.9% | $155,556+9.8% | $145,897+17.1% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 11.60% | 61.31%-49.7pp | 64.84%-53.2pp | 552.29%-540.7pp |
| Employer contribution / active EE | $1,650 | $5,315-69.0% | $4,675-64.7% | $4,663-64.6% |
| Participant deferral / active EE | $7,210 | $6,467+11.5% | $5,631+28.0% | $6,689+7.8% |
| Admin fee / account holder | $5,685 | $19,275-70.5% | $15,885-64.2% | $13,390-57.5% |