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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 | $129,721 | $160,070-19.0% | $147,117-11.8% | $145,897-11.1% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 13.60% | 98.69%-85.1pp | 420.54%-406.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $3,983 | $5,285-24.6% | $4,932-19.2% | $4,663-14.6% |
| Participant deferral / active EE | $10,924 | $8,419+29.7% | $8,065+35.5% | $6,689+63.3% |
| Admin fee / account holder | $4,673 | $15,035-68.9% | $12,993-64.0% | $13,390-65.1% |