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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 | $165,833 | $175,231-5.4% | $149,696+10.8% | $139,466+18.9% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 19.30% | 166.77%-147.5pp | 134.46%-115.2pp | 373.66%-354.4pp |
| Employer contribution / active EE | $3,245 | $5,478-40.8% | $4,821-32.7% | $4,754-31.7% |
| Participant deferral / active EE | $8,141 | $6,521+24.8% | $5,682+43.3% | $6,712+21.3% |
| Admin fee / account holder | $461 | $16,155-97.1% | $13,212-96.5% | $11,409-96.0% |