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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 | $164,296 | $160,040+2.7% | $147,096+11.7% | $145,877+12.6% |
| Participation rate | 77.3% | 84.0%-6.7pp | 82.2%-4.9pp | 80.3%-3.0pp |
| Annual return | 13.85% | 98.49%-84.6pp | 419.75%-405.9pp | 551.28%-537.4pp |
| Employer contribution / active EE | $3,132 | $5,289-40.8% | $4,936-36.5% | $4,663-32.8% |
| Participant deferral / active EE | $6,882 | $8,429-18.3% | $8,071-14.7% | $6,691+2.9% |
| Admin fee / account holder | $3,965 | $15,050-73.7% | $13,005-69.5% | $13,402-70.4% |