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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 | $150,376 | $168,635-10.8% | $147,617+1.9% | $125,389+19.9% |
| Participation rate | 93.3% | 88.8%+4.6pp | 84.6%+8.7pp | 83.2%+10.1pp |
| Annual return | -0.73% | 77.65%-78.4pp | 61.98%-62.7pp | 282.24%-283.0pp |
| Employer contribution / active EE | $3,633 | $6,252-41.9% | $5,564-34.7% | $4,866-25.3% |
| Participant deferral / active EE | $6,121 | $5,507+11.1% | $4,895+25.0% | $5,352+14.4% |
| Admin fee / account holder | $618 | $13,580-95.5% | $11,612-94.7% | $9,541-93.5% |