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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 | $127,832 | $217,427-41.2% | $185,837-31.2% | $167,518-23.7% |
| Participation rate | 77.8% | 86.0%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 15.09% | 148.39%-133.3pp | 122.08%-107.0pp | 478.71%-463.6pp |
| Employer contribution / active EE | $3,070 | $5,874-47.7% | $5,168-40.6% | $4,838-36.6% |
| Participant deferral / active EE | $6,970 | $6,357+9.6% | $5,568+25.2% | $6,342+9.9% |
| Admin fee / account holder | $14,720 | $19,816-25.7% | $16,241-9.4% | $12,312+19.5% |