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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 | $165,714 | $176,105-5.9% | $159,474+3.9% | $167,536-1.1% |
| Participation rate | 72.2% | 85.0%-12.7pp | 82.8%-10.6pp | 82.1%-9.9pp |
| Annual return | 14.52% | 331.91%-317.4pp | 263.68%-249.2pp | 478.82%-464.3pp |
| Employer contribution / active EE | $4,890 | $5,299-7.7% | $4,831+1.2% | $4,839+1.1% |
| Participant deferral / active EE | $12,979 | $7,751+67.4% | $7,353+76.5% | $6,342+104.6% |
| Admin fee / account holder | $6,768 | $12,559-46.1% | $10,802-37.3% | $12,315-45.0% |