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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 | $135,281 | $217,432-37.8% | $185,851-27.2% | $167,553-19.3% |
| Participation rate | 85.0% | 86.1%-1.1pp | 81.7%+3.3pp | 82.1%+2.9pp |
| Annual return | 10.44% | 148.43%-138.0pp | 122.11%-111.7pp | 478.89%-468.5pp |
| Employer contribution / active EE | $3,089 | $5,874-47.4% | $5,168-40.2% | $4,840-36.2% |
| Participant deferral / active EE | $5,023 | $6,357-21.0% | $5,569-9.8% | $6,343-20.8% |
| Admin fee / account holder | $1,812 | $19,820-90.9% | $16,245-88.8% | $12,316-85.3% |