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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 | $128,132 | $175,259-26.9% | $149,723-14.4% | $139,487-8.1% |
| Participation rate | 88.2% | 83.4%+4.8pp | 78.8%+9.5pp | 80.3%+7.9pp |
| Annual return | 19.26% | 166.82%-147.6pp | 134.50%-115.2pp | 373.84%-354.6pp |
| Employer contribution / active EE | $2,530 | $5,478-53.8% | $4,821-47.5% | $4,755-46.8% |
| Participant deferral / active EE | $6,583 | $6,522+0.9% | $5,682+15.8% | $6,713-1.9% |
| Admin fee / account holder | $470 | $16,158-97.1% | $13,215-96.4% | $11,407-95.9% |