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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 | $165,820 | $157,304+5.4% | $141,197+17.4% | $152,909+8.4% |
| Participation rate | 71.4% | 84.8%-13.4pp | 82.5%-11.0pp | 82.5%-11.0pp |
| Annual return | 18.87% | 64.34%-45.5pp | 71.41%-52.5pp | 345.46%-326.6pp |
| Employer contribution / active EE | $3,770 | $5,263-28.4% | $4,736-20.4% | $4,764-20.9% |
| Participant deferral / active EE | $10,438 | $7,111+46.8% | $6,710+55.5% | $5,851+78.4% |
| Admin fee / account holder | $11,979 | $12,126-1.2% | $10,265+16.7% | $11,601+3.3% |