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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 | $120,063 | $175,231-31.5% | $149,696-19.8% | $139,466-13.9% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 13.08% | 166.77%-153.7pp | 134.46%-121.4pp | 373.66%-360.6pp |
| Employer contribution / active EE | $1,184 | $5,478-78.4% | $4,821-75.4% | $4,754-75.1% |
| Participant deferral / active EE | $4,212 | $6,521-35.4% | $5,682-25.9% | $6,712-37.2% |
| Admin fee / account holder | $17,341 | $16,155+7.3% | $13,212+31.3% | $11,409+52.0% |