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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 | $25,316 | $175,231-85.6% | $149,696-83.1% | $139,466-81.8% |
| Participation rate | 85.0% | 83.4%+1.6pp | 78.8%+6.2pp | 80.3%+4.7pp |
| Annual return | 18.88% | 166.77%-147.9pp | 134.46%-115.6pp | 373.66%-354.8pp |
| Employer contribution / active EE | $3,827 | $5,478-30.1% | $4,821-20.6% | $4,754-19.5% |
| Participant deferral / active EE | $3,627 | $6,521-44.4% | $5,682-36.2% | $6,712-46.0% |
| Admin fee / account holder | $440 | $16,155-97.3% | $13,212-96.7% | $11,409-96.1% |