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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 | $176,647 | $148,582+18.9% | $135,942+29.9% | $139,456+26.7% |
| Participation rate | 93.8% | 83.9%+9.9pp | 81.9%+11.8pp | 80.3%+13.4pp |
| Annual return | 14.89% | 79.26%-64.4pp | 68.28%-53.4pp | 373.45%-358.6pp |
| Employer contribution / active EE | $2,291 | $5,245-56.3% | $4,858-52.8% | $4,753-51.8% |
| Participant deferral / active EE | $3,652 | $8,101-54.9% | $7,759-52.9% | $6,711-45.6% |
| Admin fee / account holder | $4,191 | $12,402-66.2% | $10,764-61.1% | $11,407-63.3% |