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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 | $169,314 | $198,462-14.7% | $170,439-0.7% | $147,585+14.7% |
| Participation rate | 75.0% | 88.0%-13.0pp | 83.6%-8.6pp | 82.8%-7.8pp |
| Annual return | 14.62% | 257.30%-242.7pp | 205.94%-191.3pp | 578.58%-564.0pp |
| Employer contribution / active EE | $2,898 | $6,184-53.1% | $5,433-46.7% | $4,876-40.6% |
| Participant deferral / active EE | $3,490 | $5,629-38.0% | $4,939-29.3% | $5,439-35.8% |
| Admin fee / account holder | $14,941 | $16,852-11.3% | $13,881+7.6% | $10,886+37.3% |