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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 | $148,291 | $209,422-29.2% | $178,503-16.9% | $158,982-6.7% |
| Participation rate | 89.5% | 86.4%+3.1pp | 81.9%+7.5pp | 82.0%+7.5pp |
| Annual return | 23.04% | 188.81%-165.8pp | 151.12%-128.1pp | 302.99%-279.9pp |
| Employer contribution / active EE | $3,199 | $5,707-43.9% | $5,011-36.2% | $4,763-32.8% |
| Participant deferral / active EE | $4,970 | $5,955-16.5% | $5,202-4.5% | $5,983-16.9% |
| Admin fee / account holder | $4,721 | $17,079-72.4% | $13,987-66.2% | $11,252-58.0% |