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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 | $164,520 | $198,457-17.1% | $170,435-3.5% | $147,586+11.5% |
| Participation rate | 78.3% | 88.0%-9.7pp | 83.6%-5.3pp | 82.8%-4.6pp |
| Annual return | 13.61% | 257.30%-243.7pp | 205.94%-192.3pp | 578.59%-565.0pp |
| Employer contribution / active EE | $3,832 | $6,183-38.0% | $5,432-29.5% | $4,876-21.4% |
| Participant deferral / active EE | $5,815 | $5,629+3.3% | $4,939+17.7% | $5,439+6.9% |
| Admin fee / account holder | $25,183 | $16,852+49.4% | $13,881+81.4% | $10,886+131.3% |