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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 | $147,406 | $217,432-32.2% | $185,849-20.7% | $167,536-12.0% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 10.03% | 148.42%-138.4pp | 122.10%-112.1pp | 478.82%-468.8pp |
| Employer contribution / active EE | $2,776 | $5,875-52.8% | $5,169-46.3% | $4,839-42.6% |
| Participant deferral / active EE | $9,704 | $6,357+52.6% | $5,569+74.3% | $6,342+53.0% |
| Admin fee / account holder | $12,236 | $19,818-38.3% | $16,244-24.7% | $12,315-0.6% |