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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 | $156,807 | $185,856-15.6% | $170,028-7.8% | $139,456+12.4% |
| Participation rate | 83.3% | 87.8%-4.4pp | 87.0%-3.7pp | 80.3%+3.0pp |
| Annual return | 43.40% | 60.52%-17.1pp | 53.39%-10.0pp | 373.45%-330.0pp |
| Employer contribution / active EE | $4,141 | $7,593-45.5% | $6,788-39.0% | $4,753-12.9% |
| Participant deferral / active EE | $10,146 | $11,623-12.7% | $10,409-2.5% | $6,711+51.2% |
| Admin fee / account holder | $945 | $15,387-93.9% | $12,820-92.6% | $11,407-91.7% |