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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 | $71,973 | $165,381-56.5% | $149,730-51.9% | $158,966-54.7% |
| Participation rate | 93.3% | 84.6%+8.8pp | 82.5%+10.9pp | 82.0%+11.4pp |
| Annual return | 19.36% | 348.29%-328.9pp | 276.70%-257.3pp | 302.95%-283.6pp |
| Employer contribution / active EE | $6,913 | $5,104+35.4% | $4,645+48.8% | $4,762+45.2% |
| Participant deferral / active EE | $11,429 | $7,182+59.1% | $6,843+67.0% | $5,983+91.0% |
| Admin fee / account holder | $5,681 | $10,809-47.4% | $9,310-39.0% | $11,250-49.5% |