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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 | $161,205 | $198,457-18.8% | $170,435-5.4% | $147,586+9.2% |
| Participation rate | 82.4% | 88.0%-5.6pp | 83.6%-1.2pp | 82.8%-0.5pp |
| Annual return | 9.21% | 257.30%-248.1pp | 205.94%-196.7pp | 578.59%-569.4pp |
| Employer contribution / active EE | $6,292 | $6,183+1.8% | $5,432+15.8% | $4,876+29.0% |
| Participant deferral / active EE | $3,982 | $5,629-29.3% | $4,939-19.4% | $5,439-26.8% |
| Admin fee / account holder | $5,479 | $16,852-67.5% | $13,881-60.5% | $10,886-49.7% |