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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 | $183,237 | $209,425-12.5% | $178,499+2.7% | $158,966+15.3% |
| Participation rate | 71.4% | 86.4%-14.9pp | 81.9%-10.5pp | 82.0%-10.5pp |
| Annual return | 16.25% | 188.80%-172.5pp | 151.10%-134.9pp | 302.95%-286.7pp |
| Employer contribution / active EE | $2,357 | $5,707-58.7% | $5,011-53.0% | $4,762-50.5% |
| Participant deferral / active EE | $8,034 | $5,955+34.9% | $5,202+54.4% | $5,983+34.3% |
| Admin fee / account holder | $3,220 | $17,078-81.1% | $13,986-77.0% | $11,250-71.4% |