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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 | $153,280 | $217,432-29.5% | $185,849-17.5% | $167,536-8.5% |
| Participation rate | 90.0% | 86.1%+3.9pp | 81.7%+8.3pp | 82.1%+7.9pp |
| Annual return | 14.52% | 148.42%-133.9pp | 122.10%-107.6pp | 478.82%-464.3pp |
| Employer contribution / active EE | $1,460 | $5,875-75.1% | $5,169-71.8% | $4,839-69.8% |
| Participant deferral / active EE | $4,490 | $6,357-29.4% | $5,569-19.4% | $6,342-29.2% |
| Admin fee / account holder | $4,395 | $19,818-77.8% | $16,244-72.9% | $12,315-64.3% |