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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 | $139,701 | $165,399-15.5% | $149,745-6.7% | $158,982-12.1% |
| Participation rate | 90.5% | 84.6%+5.9pp | 82.5%+8.0pp | 82.0%+8.5pp |
| Annual return | 18.61% | 348.34%-329.7pp | 276.72%-258.1pp | 302.99%-284.4pp |
| Employer contribution / active EE | $5,768 | $5,105+13.0% | $4,646+24.2% | $4,763+21.1% |
| Participant deferral / active EE | $9,630 | $7,183+34.1% | $6,843+40.7% | $5,983+60.9% |
| Admin fee / account holder | $1,558 | $10,811-85.6% | $9,312-83.3% | $11,252-86.2% |