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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 | $67,335 | $157,296-57.2% | $141,191-52.3% | $152,897-56.0% |
| Participation rate | 92.3% | 84.8%+7.5pp | 82.5%+9.8pp | 82.5%+9.9pp |
| Annual return | 20.15% | 64.34%-44.2pp | 71.41%-51.3pp | 345.43%-325.3pp |
| Employer contribution / active EE | $6,446 | $5,262+22.5% | $4,736+36.1% | $4,764+35.3% |
| Participant deferral / active EE | $9,860 | $7,111+38.7% | $6,710+46.9% | $5,851+68.5% |
| Admin fee / account holder | $15,676 | $12,125+29.3% | $10,264+52.7% | $11,599+35.1% |