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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 | $148,188 | $175,257-15.4% | $149,717-1.0% | $139,456+6.3% |
| Participation rate | 92.3% | 83.4%+8.9pp | 78.8%+13.5pp | 80.3%+12.0pp |
| Annual return | 12.82% | 166.70%-153.9pp | 134.41%-121.6pp | 373.45%-360.6pp |
| Employer contribution / active EE | $9,007 | $5,477+64.5% | $4,820+86.9% | $4,753+89.5% |
| Participant deferral / active EE | $6,806 | $6,521+4.4% | $5,682+19.8% | $6,711+1.4% |
| Admin fee / account holder | $1,837 | $16,156-88.6% | $13,213-86.1% | $11,407-83.9% |