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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 | $197,689 | $132,634+49.0% | $115,768+70.8% | $137,256+44.0% |
| Participation rate | 95.5% | 77.9%+17.6pp | 74.4%+21.1pp | 80.0%+15.5pp |
| Annual return | 14.91% | 160.70%-145.8pp | 100.46%-85.5pp | 220.34%-205.4pp |
| Employer contribution / active EE | $2,559 | $3,360-23.8% | $2,940-13.0% | $4,156-38.4% |
| Participant deferral / active EE | $5,373 | $5,619-4.4% | $4,917+9.3% | $6,407-16.1% |
| Admin fee / account holder | $952 | $15,028-93.7% | $12,439-92.3% | $12,270-92.2% |