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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 | $121,135 | $148,582-18.5% | $135,942-10.9% | $139,456-13.1% |
| Participation rate | 94.1% | 83.9%+10.3pp | 81.9%+12.2pp | 80.3%+13.8pp |
| Annual return | 16.57% | 79.26%-62.7pp | 68.28%-51.7pp | 373.45%-356.9pp |
| Employer contribution / active EE | $5,432 | $5,245+3.6% | $4,858+11.8% | $4,753+14.3% |
| Participant deferral / active EE | $10,907 | $8,101+34.6% | $7,759+40.6% | $6,711+62.5% |
| Admin fee / account holder | $25,502 | $12,402+105.6% | $10,764+136.9% | $11,407+123.6% |