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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 | $164,155 | $202,463-18.9% | $169,397-3.1% | $139,487+17.7% |
| Participation rate | 83.3% | 81.1%+2.2pp | 77.2%+6.2pp | 80.3%+3.0pp |
| Annual return | 17.34% | 532.64%-515.3pp | 406.23%-388.9pp | 373.84%-356.5pp |
| Employer contribution / active EE | $4,149 | $4,694-11.6% | $4,013+3.4% | $4,755-12.7% |
| Participant deferral / active EE | $4,542 | $6,941-34.6% | $6,223-27.0% | $6,713-32.3% |
| Admin fee / account holder | $892 | $10,726-91.7% | $9,017-90.1% | $11,407-92.2% |