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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 | $165,468 | $111,535+48.4% | $105,223+57.3% | $137,256+20.6% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.8pp | 80.0%+8.9pp |
| Annual return | 16.82% | 237.85%-221.0pp | 180.65%-163.8pp | 220.34%-203.5pp |
| Employer contribution / active EE | $3,214 | $3,939-18.4% | $3,689-12.9% | $4,156-22.7% |
| Participant deferral / active EE | $7,924 | $5,500+44.1% | $5,072+56.2% | $6,407+23.7% |
| Admin fee / account holder | $4,007 | $9,721-58.8% | $8,859-54.8% | $12,270-67.3% |