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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 | $126,767 | $217,432-41.7% | $185,849-31.8% | $167,536-24.3% |
| Participation rate | 95.0% | 86.1%+8.9pp | 81.7%+13.3pp | 82.1%+12.9pp |
| Annual return | 19.52% | 148.42%-128.9pp | 122.10%-102.6pp | 478.82%-459.3pp |
| Employer contribution / active EE | $3,679 | $5,875-37.4% | $5,169-28.8% | $4,839-24.0% |
| Participant deferral / active EE | $9,308 | $6,357+46.4% | $5,569+67.2% | $6,342+46.8% |
| Admin fee / account holder | $24,958 | $19,818+25.9% | $16,244+53.6% | $12,315+102.7% |