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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 | $159,774 | $175,259-8.8% | $149,723+6.7% | $139,487+14.5% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 19.64% | 166.82%-147.2pp | 134.50%-114.9pp | 373.84%-354.2pp |
| Employer contribution / active EE | $1,665 | $5,478-69.6% | $4,821-65.5% | $4,755-65.0% |
| Participant deferral / active EE | $16,440 | $6,522+152.1% | $5,682+189.3% | $6,713+144.9% |
| Admin fee / account holder | $1,375 | $16,158-91.5% | $13,215-89.6% | $11,407-87.9% |