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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 | $170,045 | $157,296+8.1% | $141,191+20.4% | $152,897+11.2% |
| Participation rate | 90.9% | 84.8%+6.1pp | 82.5%+8.4pp | 82.5%+8.5pp |
| Annual return | 22.98% | 64.34%-41.4pp | 71.41%-48.4pp | 345.43%-322.4pp |
| Employer contribution / active EE | $3,844 | $5,262-26.9% | $4,736-18.8% | $4,764-19.3% |
| Participant deferral / active EE | $5,375 | $7,111-24.4% | $6,710-19.9% | $5,851-8.1% |
| Admin fee / account holder | $16,525 | $12,125+36.3% | $10,264+61.0% | $11,599+42.5% |