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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 | $151,442 | $118,708+27.6% | $98,920+53.1% | $158,982-4.7% |
| Participation rate | 82.4% | 77.8%+4.5pp | 76.0%+6.3pp | 82.0%+0.4pp |
| Annual return | 10.30% | 372.49%-362.2pp | 196.47%-186.2pp | 302.99%-292.7pp |
| Employer contribution / active EE | $4,418 | $3,334+32.5% | $2,689+64.3% | $4,763-7.2% |
| Participant deferral / active EE | $5,799 | $5,089+13.9% | $4,245+36.6% | $5,983-3.1% |
| Admin fee / account holder | $6,854 | $10,134-32.4% | $6,643+3.2% | $11,252-39.1% |