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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 | $162,872 | $148,623+9.6% | $135,974+19.8% | $139,466+16.8% |
| Participation rate | 94.7% | 83.9%+10.9pp | 81.9%+12.8pp | 80.3%+14.4pp |
| Annual return | 16.55% | 79.30%-62.7pp | 68.30%-51.8pp | 373.66%-357.1pp |
| Employer contribution / active EE | $3,483 | $5,246-33.6% | $4,859-28.3% | $4,754-26.7% |
| Participant deferral / active EE | $4,844 | $8,103-40.2% | $7,760-37.6% | $6,712-27.8% |
| Admin fee / account holder | $6,494 | $12,406-47.7% | $10,767-39.7% | $11,409-43.1% |