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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 | $174,774 | $226,105-22.7% | $182,540-4.3% | $152,897+14.3% |
| Participation rate | 92.3% | 82.5%+9.8pp | 78.0%+14.3pp | 82.5%+9.9pp |
| Annual return | 27.08% | 192.58%-165.5pp | 148.58%-121.5pp | 345.43%-318.3pp |
| Employer contribution / active EE | $0 | $4,978-100.0% | $4,076-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,695 | $6,370-42.0% | $5,525-33.1% | $5,851-36.9% |
| Admin fee / account holder | $2,954 | $10,706-72.4% | $8,593-65.6% | $11,599-74.5% |