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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 | $166,646 | $160,040+4.1% | $147,096+13.3% | $145,877+14.2% |
| Participation rate | 78.6% | 84.0%-5.4pp | 82.2%-3.6pp | 80.3%-1.7pp |
| Annual return | 16.92% | 98.49%-81.6pp | 419.75%-402.8pp | 551.28%-534.4pp |
| Employer contribution / active EE | $2,352 | $5,289-55.5% | $4,936-52.4% | $4,663-49.6% |
| Participant deferral / active EE | $4,501 | $8,429-46.6% | $8,071-44.2% | $6,691-32.7% |
| Admin fee / account holder | $6,714 | $15,050-55.4% | $13,005-48.4% | $13,402-49.9% |