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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 | $147,594 | $183,539-19.6% | $155,556-5.1% | $145,897+1.2% |
| Participation rate | 88.9% | 82.7%+6.2pp | 78.2%+10.7pp | 80.3%+8.6pp |
| Annual return | 11.82% | 61.31%-49.5pp | 64.84%-53.0pp | 552.29%-540.5pp |
| Employer contribution / active EE | $4,639 | $5,315-12.7% | $4,675-0.8% | $4,663-0.5% |
| Participant deferral / active EE | $6,070 | $6,467-6.1% | $5,631+7.8% | $6,689-9.3% |
| Admin fee / account holder | $1,442 | $19,275-92.5% | $15,885-90.9% | $13,390-89.2% |