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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 | $171,557 | $217,432-21.1% | $185,849-7.7% | $167,536+2.4% |
| Participation rate | 90.0% | 86.1%+3.9pp | 81.7%+8.3pp | 82.1%+7.9pp |
| Annual return | 18.42% | 148.42%-130.0pp | 122.10%-103.7pp | 478.82%-460.4pp |
| Employer contribution / active EE | $3,411 | $5,875-41.9% | $5,169-34.0% | $4,839-29.5% |
| Participant deferral / active EE | $7,115 | $6,357+11.9% | $5,569+27.8% | $6,342+12.2% |
| Admin fee / account holder | $16,436 | $19,818-17.1% | $16,244+1.2% | $12,315+33.5% |