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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 | $148,311 | $175,259-15.4% | $149,723-0.9% | $139,487+6.3% |
| Participation rate | 84.2% | 83.4%+0.8pp | 78.8%+5.4pp | 80.3%+3.9pp |
| Annual return | 17.84% | 166.82%-149.0pp | 134.50%-116.7pp | 373.84%-356.0pp |
| Employer contribution / active EE | $1,116 | $5,478-79.6% | $4,821-76.9% | $4,755-76.5% |
| Participant deferral / active EE | $11,433 | $6,522+75.3% | $5,682+101.2% | $6,713+70.3% |
| Admin fee / account holder | $3,385 | $16,158-79.1% | $13,215-74.4% | $11,407-70.3% |