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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 | $175,882 | $176,077-0.1% | $159,455+10.3% | $167,518+5.0% |
| Participation rate | 88.9% | 84.9%+3.9pp | 82.8%+6.1pp | 82.1%+6.8pp |
| Annual return | 15.46% | 331.83%-316.4pp | 263.63%-248.2pp | 478.71%-463.2pp |
| Employer contribution / active EE | $3,395 | $5,298-35.9% | $4,830-29.7% | $4,838-29.8% |
| Participant deferral / active EE | $9,446 | $7,751+21.9% | $7,353+28.5% | $6,342+48.9% |
| Admin fee / account holder | $9,429 | $12,556-24.9% | $10,800-12.7% | $12,312-23.4% |