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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 | $167,740 | $110,093+52.4% | $97,295+72.4% | $145,897+15.0% |
| Participation rate | 89.5% | 75.9%+13.6pp | 72.7%+16.8pp | 80.3%+9.2pp |
| Annual return | 15.99% | 244.76%-228.8pp | 75.62%-59.6pp | 552.29%-536.3pp |
| Employer contribution / active EE | $2,867 | $3,077-6.8% | $2,723+5.3% | $4,663-38.5% |
| Participant deferral / active EE | $7,252 | $4,678+55.0% | $4,264+70.1% | $6,689+8.4% |
| Admin fee / account holder | $479 | $6,212-92.3% | $5,646-91.5% | $13,390-96.4% |