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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 | $167,359 | $198,457-15.7% | $170,435-1.8% | $147,586+13.4% |
| Participation rate | 94.4% | 88.0%+6.5pp | 83.6%+10.8pp | 82.8%+11.6pp |
| Annual return | 26.22% | 257.30%-231.1pp | 205.94%-179.7pp | 578.59%-552.4pp |
| Employer contribution / active EE | $2,762 | $6,183-55.3% | $5,432-49.2% | $4,876-43.4% |
| Participant deferral / active EE | $5,661 | $5,629+0.6% | $4,939+14.6% | $5,439+4.1% |
| Admin fee / account holder | $3,434 | $16,852-79.6% | $13,881-75.3% | $10,886-68.5% |