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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 | $144,666 | $175,259-17.5% | $149,723-3.4% | $139,487+3.7% |
| Participation rate | 85.7% | 83.4%+2.3pp | 78.8%+6.9pp | 80.3%+5.4pp |
| Annual return | 16.57% | 166.82%-150.3pp | 134.50%-117.9pp | 373.84%-357.3pp |
| Employer contribution / active EE | $3,037 | $5,478-44.6% | $4,821-37.0% | $4,755-36.1% |
| Participant deferral / active EE | $7,033 | $6,522+7.8% | $5,682+23.8% | $6,713+4.8% |
| Admin fee / account holder | $8,634 | $16,158-46.6% | $13,215-34.7% | $11,407-24.3% |