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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 | $175,958 | $217,427-19.1% | $185,837-5.3% | $167,518+5.0% |
| Participation rate | 90.9% | 86.0%+4.9pp | 81.7%+9.2pp | 82.1%+8.8pp |
| Annual return | 11.82% | 148.39%-136.6pp | 122.08%-110.3pp | 478.71%-466.9pp |
| Employer contribution / active EE | $5,412 | $5,874-7.9% | $5,168+4.7% | $4,838+11.9% |
| Participant deferral / active EE | $3,684 | $6,357-42.1% | $5,568-33.9% | $6,342-41.9% |
| Admin fee / account holder | $2,509 | $19,816-87.3% | $16,241-84.6% | $12,312-79.6% |