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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 | $118,183 | $217,432-45.6% | $185,849-36.4% | $167,536-29.5% |
| Participation rate | 86.7% | 86.1%+0.6pp | 81.7%+5.0pp | 82.1%+4.6pp |
| Annual return | 12.79% | 148.42%-135.6pp | 122.10%-109.3pp | 478.82%-466.0pp |
| Employer contribution / active EE | $2,003 | $5,875-65.9% | $5,169-61.2% | $4,839-58.6% |
| Participant deferral / active EE | $6,167 | $6,357-3.0% | $5,569+10.7% | $6,342-2.8% |
| Admin fee / account holder | $2,468 | $19,818-87.5% | $16,244-84.8% | $12,315-80.0% |