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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 | $147,317 | $148,623-0.9% | $135,974+8.3% | $139,466+5.6% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 37.70% | 79.30%-41.6pp | 68.30%-30.6pp | 373.66%-336.0pp |
| Employer contribution / active EE | $4,686 | $5,246-10.7% | $4,859-3.6% | $4,754-1.4% |
| Participant deferral / active EE | $10,178 | $8,103+25.6% | $7,760+31.2% | $6,712+51.6% |
| Admin fee / account holder | $1,983 | $12,406-84.0% | $10,767-81.6% | $11,409-82.6% |