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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 | $139,983 | $217,427-35.6% | $185,837-24.7% | $167,518-16.4% |
| Participation rate | 71.4% | 86.0%-14.6pp | 81.7%-10.3pp | 82.1%-10.7pp |
| Annual return | 17.44% | 148.39%-131.0pp | 122.08%-104.6pp | 478.71%-461.3pp |
| Employer contribution / active EE | $8,432 | $5,874+43.5% | $5,168+63.1% | $4,838+74.3% |
| Participant deferral / active EE | $6,687 | $6,357+5.2% | $5,568+20.1% | $6,342+5.4% |
| Admin fee / account holder | $494 | $19,816-97.5% | $16,241-97.0% | $12,312-96.0% |