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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 | $146,294 | $217,432-32.7% | $185,849-21.3% | $167,536-12.7% |
| Participation rate | 77.8% | 86.1%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 11.98% | 148.42%-136.4pp | 122.10%-110.1pp | 478.82%-466.8pp |
| Employer contribution / active EE | $2,501 | $5,875-57.4% | $5,169-51.6% | $4,839-48.3% |
| Participant deferral / active EE | $7,002 | $6,357+10.1% | $5,569+25.7% | $6,342+10.4% |
| Admin fee / account holder | $2,139 | $19,818-89.2% | $16,244-86.8% | $12,315-82.6% |