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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 | $179,145 | $183,592-2.4% | $155,567+15.2% | $145,959+22.7% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 10.33% | 61.24%-50.9pp | 64.74%-54.4pp | 561.95%-551.6pp |
| Employer contribution / active EE | $3,956 | $5,315-25.6% | $4,674-15.4% | $4,661-15.1% |
| Participant deferral / active EE | $7,311 | $6,464+13.1% | $5,628+29.9% | $6,689+9.3% |
| Admin fee / account holder | $5,350 | $19,318-72.3% | $15,916-66.4% | $13,398-60.1% |