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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 | $171,327 | $148,623+15.3% | $135,974+26.0% | $139,466+22.8% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 15.61% | 79.30%-63.7pp | 68.30%-52.7pp | 373.66%-358.1pp |
| Employer contribution / active EE | $4,419 | $5,246-15.8% | $4,859-9.1% | $4,754-7.0% |
| Participant deferral / active EE | $5,525 | $8,103-31.8% | $7,760-28.8% | $6,712-17.7% |
| Admin fee / account holder | $3,818 | $12,406-69.2% | $10,767-64.5% | $11,409-66.5% |