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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 | $122,356 | $217,432-43.7% | $185,849-34.2% | $167,536-27.0% |
| Participation rate | 88.9% | 86.1%+2.8pp | 81.7%+7.2pp | 82.1%+6.8pp |
| Annual return | 12.68% | 148.42%-135.7pp | 122.10%-109.4pp | 478.82%-466.1pp |
| Employer contribution / active EE | $2,435 | $5,875-58.5% | $5,169-52.9% | $4,839-49.7% |
| Participant deferral / active EE | $4,011 | $6,357-36.9% | $5,569-28.0% | $6,342-36.8% |
| Admin fee / account holder | $18,124 | $19,818-8.6% | $16,244+11.6% | $12,315+47.2% |