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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 | $146,325 | $148,623-1.5% | $135,974+7.6% | $139,466+4.9% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 17.96% | 79.30%-61.3pp | 68.30%-50.3pp | 373.66%-355.7pp |
| Employer contribution / active EE | $5,227 | $5,246-0.4% | $4,859+7.6% | $4,754+10.0% |
| Participant deferral / active EE | $16,126 | $8,103+99.0% | $7,760+107.8% | $6,712+140.3% |
| Admin fee / account holder | $4,990 | $12,406-59.8% | $10,767-53.7% | $11,409-56.3% |