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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 | $149,231 | $217,432-31.4% | $185,849-19.7% | $167,536-10.9% |
| Participation rate | 95.7% | 86.1%+9.6pp | 81.7%+13.9pp | 82.1%+13.5pp |
| Annual return | 15.67% | 148.42%-132.7pp | 122.10%-106.4pp | 478.82%-463.1pp |
| Employer contribution / active EE | $3,451 | $5,875-41.3% | $5,169-33.2% | $4,839-28.7% |
| Participant deferral / active EE | $4,557 | $6,357-28.3% | $5,569-18.2% | $6,342-28.2% |
| Admin fee / account holder | $3,368 | $19,818-83.0% | $16,244-79.3% | $12,315-72.6% |