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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 | $125,915 | $132,634-5.1% | $115,768+8.8% | $137,256-8.3% |
| Participation rate | 78.6% | 77.9%+0.7pp | 74.4%+4.2pp | 80.0%-1.4pp |
| Annual return | 14.18% | 160.70%-146.5pp | 100.46%-86.3pp | 220.34%-206.2pp |
| Employer contribution / active EE | $5,243 | $3,360+56.0% | $2,940+78.3% | $4,156+26.1% |
| Participant deferral / active EE | $10,397 | $5,619+85.0% | $4,917+111.5% | $6,407+62.3% |
| Admin fee / account holder | $19,205 | $15,028+27.8% | $12,439+54.4% | $12,270+56.5% |