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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 | $155,949 | $217,432-28.3% | $185,849-16.1% | $167,536-6.9% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 13.38% | 148.42%-135.0pp | 122.10%-108.7pp | 478.82%-465.4pp |
| Employer contribution / active EE | $2,883 | $5,875-50.9% | $5,169-44.2% | $4,839-40.4% |
| Participant deferral / active EE | $6,600 | $6,357+3.8% | $5,569+18.5% | $6,342+4.1% |
| Admin fee / account holder | $839 | $19,818-95.8% | $16,244-94.8% | $12,315-93.2% |