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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 | $132,412 | $196,972-32.8% | $182,262-27.4% | $198,609-33.3% |
| Participation rate | 86.7% | 85.7%+1.0pp | 84.2%+2.5pp | 82.4%+4.3pp |
| Annual return | 15.87% | 158.27%-142.4pp | 140.60%-124.7pp | 202.70%-186.8pp |
| Employer contribution / active EE | $3,591 | $5,364-33.1% | $5,046-28.8% | $5,055-29.0% |
| Participant deferral / active EE | $5,760 | $8,643-33.4% | $8,276-30.4% | $6,977-17.4% |
| Admin fee / account holder | $10,536 | $18,429-42.8% | $16,712-37.0% | $19,030-44.6% |