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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 | $186,427 | $217,432-14.3% | $185,851+0.3% | $167,553+11.3% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 12.88% | 148.43%-135.5pp | 122.11%-109.2pp | 478.89%-466.0pp |
| Employer contribution / active EE | $2,469 | $5,874-58.0% | $5,168-52.2% | $4,840-49.0% |
| Participant deferral / active EE | $6,719 | $6,357+5.7% | $5,569+20.7% | $6,343+5.9% |
| Admin fee / account holder | $3,301 | $19,820-83.3% | $16,245-79.7% | $12,316-73.2% |