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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 | $151,622 | $196,972-23.0% | $182,262-16.8% | $198,609-23.7% |
| Participation rate | 87.5% | 85.7%+1.8pp | 84.2%+3.3pp | 82.4%+5.1pp |
| Annual return | 14.59% | 158.27%-143.7pp | 140.60%-126.0pp | 202.70%-188.1pp |
| Employer contribution / active EE | $4,832 | $5,364-9.9% | $5,046-4.2% | $5,055-4.4% |
| Participant deferral / active EE | $4,173 | $8,643-51.7% | $8,276-49.6% | $6,977-40.2% |
| Admin fee / account holder | $2,363 | $18,429-87.2% | $16,712-85.9% | $19,030-87.6% |