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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 | $139,616 | $198,457-29.6% | $170,435-18.1% | $147,586-5.4% |
| Participation rate | 93.8% | 88.0%+5.8pp | 83.6%+10.2pp | 82.8%+10.9pp |
| Annual return | 16.18% | 257.30%-241.1pp | 205.94%-189.8pp | 578.59%-562.4pp |
| Employer contribution / active EE | $2,177 | $6,183-64.8% | $5,432-59.9% | $4,876-55.3% |
| Participant deferral / active EE | $3,098 | $5,629-45.0% | $4,939-37.3% | $5,439-43.0% |
| Admin fee / account holder | $12,610 | $16,852-25.2% | $13,881-9.2% | $10,886+15.8% |