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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 | $212,051 | $209,425+1.3% | $178,499+18.8% | $158,966+33.4% |
| Participation rate | 88.2% | 86.4%+1.9pp | 81.9%+6.3pp | 82.0%+6.3pp |
| Annual return | 27.08% | 188.80%-161.7pp | 151.10%-124.0pp | 302.95%-275.9pp |
| Employer contribution / active EE | $4,850 | $5,707-15.0% | $5,011-3.2% | $4,762+1.8% |
| Participant deferral / active EE | $4,431 | $5,955-25.6% | $5,202-14.8% | $5,983-25.9% |
| Admin fee / account holder | $2,249 | $17,078-86.8% | $13,986-83.9% | $11,250-80.0% |