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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 | $160,070+4.1% | $147,117+13.3% | $145,897+14.2% |
| Participation rate | 78.6% | 84.0%-5.5pp | 82.2%-3.6pp | 80.3%-1.7pp |
| Annual return | 16.92% | 98.69%-81.8pp | 420.54%-403.6pp | 552.29%-535.4pp |
| Employer contribution / active EE | $2,352 | $5,285-55.5% | $4,932-52.3% | $4,663-49.6% |
| Participant deferral / active EE | $4,501 | $8,419-46.5% | $8,065-44.2% | $6,689-32.7% |
| Admin fee / account holder | $6,714 | $15,035-55.3% | $12,993-48.3% | $13,390-49.9% |