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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 | $166,267 | $183,592-9.4% | $155,574+6.9% | $145,877+14.0% |
| Participation rate | 81.8% | 82.7%-0.9pp | 78.2%+3.6pp | 80.3%+1.5pp |
| Annual return | 11.75% | 61.37%-49.6pp | 64.87%-53.1pp | 551.28%-539.5pp |
| Employer contribution / active EE | $3,068 | $5,317-42.3% | $4,676-34.4% | $4,663-34.2% |
| Participant deferral / active EE | $8,724 | $6,466+34.9% | $5,629+55.0% | $6,691+30.4% |
| Admin fee / account holder | $8,262 | $19,316-57.2% | $15,914-48.1% | $13,402-38.4% |