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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 | $185,551 | $217,432-14.7% | $185,851-0.2% | $167,553+10.7% |
| Participation rate | 92.9% | 86.1%+6.8pp | 81.7%+11.1pp | 82.1%+10.7pp |
| Annual return | 24.38% | 148.43%-124.1pp | 122.11%-97.7pp | 478.89%-454.5pp |
| Employer contribution / active EE | $1,589 | $5,874-72.9% | $5,168-69.2% | $4,840-67.2% |
| Participant deferral / active EE | $2,779 | $6,357-56.3% | $5,569-50.1% | $6,343-56.2% |
| Admin fee / account holder | $465 | $19,820-97.7% | $16,245-97.1% | $12,316-96.2% |