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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 | $175,701 | $217,427-19.2% | $185,837-5.5% | $167,518+4.9% |
| Participation rate | 88.2% | 86.0%+2.2pp | 81.7%+6.5pp | 82.1%+6.1pp |
| Annual return | 12.64% | 148.39%-135.8pp | 122.08%-109.4pp | 478.71%-466.1pp |
| Employer contribution / active EE | $3,070 | $5,874-47.7% | $5,168-40.6% | $4,838-36.5% |
| Participant deferral / active EE | $8,076 | $6,357+27.0% | $5,568+45.0% | $6,342+27.3% |
| Admin fee / account holder | $4,588 | $19,816-76.8% | $16,241-71.7% | $12,312-62.7% |