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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 | $152,251 | $134,817+12.9% | $123,973+22.8% | $155,188-1.9% |
| Participation rate | 91.3% | 79.4%+11.9pp | 76.7%+14.6pp | 80.8%+10.5pp |
| Annual return | 15.85% | 515.49%-499.6pp | 388.13%-372.3pp | 148.84%-133.0pp |
| Employer contribution / active EE | $4,437 | $4,425+0.3% | $4,126+7.6% | $4,248+4.5% |
| Participant deferral / active EE | $4,506 | $5,706-21.0% | $5,247-14.1% | $6,531-31.0% |
| Admin fee / account holder | $10,613 | $13,245-19.9% | $11,799-10.1% | $14,480-26.7% |