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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 | $203,782 | $217,432-6.3% | $185,849+9.6% | $167,536+21.6% |
| Participation rate | 77.8% | 86.1%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 13.70% | 148.42%-134.7pp | 122.10%-108.4pp | 478.82%-465.1pp |
| Employer contribution / active EE | $1,401 | $5,875-76.1% | $5,169-72.9% | $4,839-71.0% |
| Participant deferral / active EE | $7,635 | $6,357+20.1% | $5,569+37.1% | $6,342+20.4% |
| Admin fee / account holder | $1,591 | $19,818-92.0% | $16,244-90.2% | $12,315-87.1% |